Compare, with Freedom Insurance Group, homeowners insurance quotes in Fort Worth, TX. We shop 25+ carriers and help you match coverage to the home or vehicles you actually own.
Average homeowners insurance cost in Fort Worth, TX
| Home value tier | Market est. | Freedom Insurance Group example |
|---|---|---|
| Typical local home (~$303,000) | $1,925 | $1,213 |
| $300,000 dwelling | $1,917 | $1,208 |
| $600,000 dwelling | $2,697 | $1,699 |
| $1,000,000 dwelling | $3,510 | $2,211 |
The typical homeowners insurance premium in Fort Worth, TX is about $1,925 annually for a typical local home (typical local home value about $303,000). For a $300,000 dwelling, expect around $1,917 per year; for a $600,000 home about $2,697; and for a $1,000,000 dwelling about $3,510. Freedom Insurance Group rates are often about 37% lower — near $1,213 per year for a typical home, roughly $1,208 for a $300,000 home, about $1,699 for a $600,000 home, and around $2,211 for a $1,000,000 home.
| Dwelling Coverage Limits | Average Annual Premium (incl. Windstorm & Hail Coverage) |
|---|---|
| $100,000 – $200,000 | $1,490 |
| $200,000 – $300,000 | $1,666 |
| $300,000 – $400,000 | $2,045 |
| $400,000 – $500,000 | $2,315 |
| $500,000 – $600,000 | $2,577 |
| $600,000 – $700,000 | $2,782 |
| $700,000 – $800,000 | $2,952 |
| $800,000 – $900,000 | $3,175 |
| $900,000 – $1,000,000 | $3,398 |
Band premiums are midpoints on the Fort Worth dwelling curve (typical local home value about $303,000). Illustrated estimates, not a quote.
Figures are 2026 market-style estimates for Fort Worth, TX, using a typical local home value of about $303,000. Freedom figures apply an approximate 37% savings vs the local typical premium for illustration. Your quote depends on dwelling limit, roof, deductible, claims, and carrier. Not a guarantee.
Fort Worth, TX: local context
Fort Worth has about 1,008,106 residents in Tarrant County, part of the Dallas–Fort Worth metroplex.
Tarrant County city in the DFW metro with a mix of historic districts and expanding suburban housing.
Local housing is a mix of single-family homes typical of Dallas–Fort Worth metroplex; replacement cost, roof age, and construction type still drive most premium differences block by block.
North Texas homes are often rated for severe thunderstorms, hail, and tornado risk typical of the Plains.
How Fort Worth home insurance premiums differ
Several factors shape a Fort Worth home premium, and carriers look at all of them when they build a quote. The biggest movers are usually rebuild cost, the roof’s age and material, and exposure to storms or wildfire; your deductible and claims record can change the final premium as much as the carrier brand itself.
Replacement cost is the amount needed to rebuild the home with similar materials at today’s labor and supply prices. A bigger rebuild figure on a Fort Worth home, the premium usually rises, since the carrier could owe more.
Frame or masonry walls, the roof covering, and general construction quality all influence how the home holds up against the wind, hail, and fire common across Texas, which is why construction type and roof details carry weight.
Location risk is the reason neighbors can pay different amounts: underwriters rate storm, hail, wildfire, and crime risk down to ZIP code and neighborhood within Fort Worth.
A better fire protection score based on close hydrants, a nearby station, and a good protection class often makes a quote more competitive.
Claims filed lately tied to the home or the household can push up premiums whether a Fort Worth policy is renewing or new, because claims history is a big rating factor.
In states that allow it, carriers may use a credit-based insurance score, and a stronger score generally leads to a lower price.
Common discounts for Fort Worth, TX homeowners
| Discount | What it means | Typical amount |
|---|---|---|
| New Home | New construction recently purchased | up to 40% |
| Age of home (5 yrs) | Newer homes | up to 26% |
| Bundle | Home and auto together | up to 25% |
| Upgrades | Electrical, plumbing, heating, roof updates | up to 20% |
| Hail-resistant roof | Class 1–4 impact roof | up to 12% |
| Claims-free | Multi-year claims-free history | up to 5% |
| Security / alarms | Monitored fire or burglar alarm | up to 4% |
| Paid in full | Pay annual premium upfront | up to 7% |
Each carrier decides which discounts it offers and how large they are. Read “up to” as the maximum, not a promise.
The six parts of a home policy
- Coverage A, dwelling: It pays to rebuild the structure of your home after a covered loss, and it should track what rebuilding costs locally right now.
- Coverage B, other structures: It covers detached features such as a garage, shed, fence, or similar buildings that sit apart from the main house.
- Coverage C, personal property: This coverage protects furniture, clothing, and everyday belongings inside the home, with special limits that may apply to higher-value categories.
- Loss of use (Coverage D): While a covered loss keeps you out of the home, this helps pay additional living expenses.
- Personal liability (Coverage E): This coverage responds when you are legally responsible for injuring someone or damaging their property arising from a covered incident.
- Coverage F, medical payments: This helps with guest medical bills for injuries that happen on your property, often without needing a formal liability claim.
Fort Worth, TX home and auto bundling
These are illustrated averages for bundling, not a quote. Actual savings depend on the carrier and the drivers.
| Place | 1-car bundle | 2-car bundle | 3-car bundle |
|---|---|---|---|
| Fort Worth, Texas | $334 | $442 | $662 |
Neighborhoods in Fort Worth
- Downtown Fort Worth
- Sundance Square
- Fort Worth Stockyards National Historic District
- The Depot
- Firestone at West 7th
- The Berkeley
- Avenue at Sycamore Park
Fort Worth housing stock and storm history
The median home in Fort Worth was built in 1994. About 34% of homes were built before 1980, so system and roof updates are worth documenting for a quote.
For heat, Fort Worth households mostly rely on electricity (68%) and utility gas (30%).
Since 2000, Tarrant County has been part of 8 major disaster declarations; the most recent was Severe Winter Storms (February 2021).
NOAA’s Storm Events Database lists 123 hail reports within about 9 miles of Fort Worth from 2016 through 2025; 104 were one inch or bigger. The biggest was 3 inches in October 2019.
ACS 2020–2024 estimates put about 373,948 housing units in Fort Worth, and homeowners occupy close to 57% of the occupied homes. Looking at building types, 65% are detached single-family houses and 30% are in buildings with two or more units.
Named places the USGS records in and around Fort Worth include River Oaks, Sansom Park, Westworth, Melody Hills, Westover Hills, and Haltom City. Older and newer sections can quote differently based on build era, roof, and fire protection.
The National Risk Index from FEMA shows elevated ratings for hail (“Very High”), tornado (“Very High”), wildfire (“Relatively Moderate”), and winter-weather (“Very High”) in Tarrant County.
Tornadoes are part of the picture too: NOAA recorded 8 tornadoes starting within 10 miles of Fort Worth between 2016 and 2025, the most intense an EF1 during December 2022.
Fort Worth’s recorded beginnings date to 1849. The town is named for William J. Worth. Fort Worth’s population went from 534,694 at the 2000 Census to 741,206 at the 2010 Census, and the Census Bureau’s July 2024 estimate is 1,008,106. That works out to about 89% more residents than in 2000.
Going further back, SPC data show 187 hail reports within 5 miles of Fort Worth between 1955 and 2015; the biggest stones, 4.5 inches, fell on April 2, 1980. 29 of those reports were 2 inches or larger. NOAA Storm Prediction Center records list 39 tornadoes that began within 10 miles of Fort Worth from 1950 through 2015, the strongest an F3 on March 28, 2000. Along its full path, that storm was blamed for 2 deaths and 80 injuries.
Looking at neighboring communities? See our home insurance pages for Blue Mound (5 mi), Haltom (5 mi), and Saginaw (6 mi).
ZIP codes we cover in and around Fort Worth
76101 · 76102 · 76103 · 76104 · 76105 · 76106 · 76107 · 76108 · 76109 · 76110 · 76111 · 76112 · 76113 · 76114 · 76115 · 76116
Landlord coverage for Fort Worth rental properties
If you own a rental in Fort Worth and do not live there, a standard HO-3 homeowners policy usually does not fit. Landlord or dwelling coverage is built for the building, loss of rents, vacancy rules, and premises liability, while tenants carry their own renters policy for belongings.
Local weather and site risks in Fort Worth (storms, hail/wind, flood exposure where relevant, and vacancy between leases) should shape deductibles, DP-1 / DP-2 / DP-3 choice, and whether you add flood or water-backup coverage.
Read our Fort Worth landlord insurance guide, the statewide Texas landlord insurance hub, or call (800) 253-1482 for a rental quote. You can also begin a free quote online.
Other Texas coverage resources
Quote homeowners coverage in Fort Worth, TX
Fort Worth homeowners get quotes from 25+ carriers with Freedom Insurance Group. Request a free home quote online or call (800) 253-1482.
