Compare homeowners insurance quotes in Edna, TX with Freedom Insurance Group. We shop 25+ carriers and help you match coverage to the home or vehicles you actually own.
What home insurance costs in Edna, TX
| Home value tier | Market est. | Freedom Insurance Group example |
|---|---|---|
| Typical local home (~$222,500) | $1,378 | $813 |
| $300,000 dwelling | $1,633 | $963 |
| $600,000 dwelling | $2,298 | $1,356 |
| $1,000,000 dwelling | $2,990 | $1,764 |
The typical homeowners insurance premium in Edna, TX is about $1,378 annually for a typical local home (typical local home value about $222,500). For a $300,000 dwelling, expect around $1,633 per year; for a $600,000 home about $2,298; and for a $1,000,000 dwelling about $2,990. Freedom Insurance Group rates are often about 41% lower — near $813 per year for a typical home, roughly $963 for a $300,000 home, about $1,356 for a $600,000 home, and around $1,764 for a $1,000,000 home.
| Dwelling Coverage Limits | Average Annual Premium (incl. Windstorm & Hail Coverage) |
|---|---|
| $100,000 – $200,000 | $1,270 |
| $200,000 – $300,000 | $1,419 |
| $300,000 – $400,000 | $1,742 |
| $400,000 – $500,000 | $1,972 |
| $500,000 – $600,000 | $2,195 |
| $600,000 – $700,000 | $2,370 |
| $700,000 – $800,000 | $2,515 |
| $800,000 – $900,000 | $2,705 |
| $900,000 – $1,000,000 | $2,895 |
Band premiums are midpoints on the Edna dwelling curve (typical local home value about $222,500). Illustrated estimates, not a quote.
Figures are 2026 market-style estimates for Edna, TX, using a typical local home value of about $222,500. Freedom figures apply an approximate 41% savings vs the local typical premium for illustration. Your quote depends on dwelling limit, roof, deductible, claims, and carrier. Not a guarantee.
Edna, TX: the local picture
Edna has around 5,792 residents, located in Jackson County.
Edna is located in the Jackson County area, where day-to-day insurance shopping is shaped more by the features of each home and carrier appetite than by any single landmark.
The housing stock is largely single-family homes typical of the Jackson County area, and replacement cost, roof age, and construction type still explain most premium differences block by block.
Insurers in North Texas commonly factor in severe thunderstorms, hail, and tornado risk typical of the Plains.
What shapes home insurance premiums in Edna
A homeowners quote in Edna is built from a handful of connected factors that carriers check side by side. The deductible you choose and your claims history can move the final premium as much as the carrier brand itself, but rebuild cost, the roof’s age and material, and local storm or wildfire risk tend to dominate.
Replacement cost is the cost to rebuild the home with like-kind materials at today’s labor and supply prices. When an Edna home has a higher rebuild estimate, premiums generally go up, because the insurer’s exposure grows.
Construction type and roof details also matter: frame versus masonry walls, roof covering, and overall build quality all influence how a property fares in the wind, hail, and fire events common across Texas.
Location risk rolls up storm, hail, wildfire, and crime scores that can differ by ZIP code and neighborhood within Edna, so two homes with similar rebuild costs may still price differently.
Fire protection weighs how far the home sits from hydrants and stations together with the area’s protection class, and better protection ratings often support lower premiums.
Claims history is still a major rating input: recent claims on the property or household tend to raise rates for Edna renewals and new business quotes as well.
If state law permits, insurers may apply a credit-based insurance score, and a stronger score tends to bring a lower price.
Homeowners discounts in Edna, TX
| 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% |
Which discounts apply and how much they are worth vary by carrier. Read “up to” as the maximum, not a promise.
Homeowners policy coverages, A through F
- Coverage A, dwelling: After a covered loss, this limit covers rebuilding the structure; keep it in line with current local reconstruction costs.
- Coverage B, other structures: Sheds, fences, detached garages, and the like that stand apart from the house are protected by this part.
- Personal property (Coverage C): Covers the contents of the home: furniture, clothing, and everyday items. Pricier categories often carry sublimits.
- Loss of use (Coverage D): This helps with additional living expenses when a covered claim makes the home temporarily unlivable during repairs.
- Personal liability (Coverage E): When you are found legally liable for bodily injury or property damage to others from a covered event, this coverage steps in.
- Coverage F, medical payments: Medical bills for guests injured on your property, often paid without a formal liability claim.
Edna, TX bundling home and auto
Illustrated average bundle savings, not guaranteed. Actual savings come down to the carriers and drivers involved.
| Place | 1-car bundle | 2-car bundle | 3-car bundle |
|---|---|---|---|
| Edna, Texas | $258 | $436 | $636 |
Local housing and storm data: Edna
Since 2000, Jackson County has been part of 7 major disaster declarations; the most recent was Hurricane Beryl (July 2024).
NOAA lists no hail reports plotted within about 5 miles of Edna for 2016–2025, but Jackson County logged 1 hail report countywide, topping out at 1.75 inches.
Tornadoes are part of the picture too: NOAA lists 1 tornado touching down within 10 miles of Edna in 2016–2025, the strongest rated EF0 during September 2023.
The National Risk Index from FEMA shows elevated ratings for hurricane (“Relatively High”) in Jackson County.
ACS 2020–2024 estimates put about 2,720 housing units in Edna, and owners occupy roughly 58% of the occupied homes. Of all units, 74% are detached single-family houses, 19% are in buildings with two or more units, and 6.0% are mobile homes.
The median home in Edna was built in 1974. About 63% of homes were built before 1980, so electrical, plumbing, and roof upgrades are worth documenting for a quote.
Occupied homes in Edna are heated mostly with electricity (62%) and utility gas (37%).
Census counts put Edna at 5,899 residents in 2000 and 5,499 in 2010, and the Census Bureau’s July 2024 estimate is 6,039. The population has stayed fairly steady since 2000.
Going further back, SPC data show 15 hail reports within 5 miles of Edna between 1955 and 2015; the biggest stones, 2 inches, fell on March 31, 1955. 2 of those reports were 2 inches or larger. Federal tornado records from NOAA’s Storm Prediction Center list 24 tornadoes that began within 10 miles of Edna from 1950 through 2015; the most powerful, rated F3, touched down on February 9, 1966.
Comparing homes in nearby towns? See our home insurance pages for Victoria (23 mi), Port Lavaca (25 mi), and El Campo (28 mi).
ZIP codes we serve in and around Edna
77957
See more Texas coverage options
Request home insurance quotes in Edna, TX
In Edna, Freedom Insurance Group compares 25+ carriers. Start a free home quote online or phone (800) 253-1482.
