Freedom Insurance Group works with Brenham, TX with side-by-side homeowners quotes from 25+ companies.
Getting to know Brenham, TX
Brenham counts roughly 16,579 residents and sits in Washington County.
Brenham is part of the Washington County area, where day-to-day insurance shopping is shaped more by home characteristics and carrier appetite than by any single landmark.
The housing stock is a mix of single-family homes typical of the Washington County area, and replacement cost, roof age, and construction type still drive most premium differences block by block.
Carriers rating North Texas homes often price in severe thunderstorms, hail, and tornado risk typical of the Plains.
Home insurance pricing in Brenham, TX
The typical homeowners insurance premium in Brenham, TX is about $1,526 annually for a typical local home (typical local home value about $275,000). 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 42% lower — near $885 per year for a typical home, roughly $947 for a $300,000 home, about $1,333 for a $600,000 home, and around $1,734 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 Brenham dwelling curve (typical local home value about $275,000). Illustrated estimates, not a quote.
Figures are 2026 market-style estimates for Brenham, TX, using a typical local home value of about $275,000. Freedom figures apply an approximate 42% savings vs the local typical premium for illustration. Your quote depends on dwelling limit, roof, deductible, claims, and carrier. Not a guarantee.
Homeowners policy coverages, A through F
- Dwelling (A): When a covered loss hits, this limit rebuilds the house itself; make sure it tracks today’s local rebuild costs.
- Other structures (Coverage B): Protection for structures not attached to the home, like a garage, shed, or fence.
- Personal property (C): Covers the contents of the home: furniture, clothing, and everyday items. Higher-value categories can be subject to special limits.
- Coverage D, loss of use: This helps with additional living expenses when a covered claim makes the home uninhabitable for a time during repairs.
- Personal liability (E): This coverage responds when you are legally responsible for bodily injury or property damage to others arising from a covered incident.
- Coverage F, medical payments: It can help pay guest medical bills for injuries that occur on your property, often without requiring a formal liability claim.
Savings opportunities for Brenham, 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% |
Carriers do not all offer the same discounts, and amounts differ too. “Up to” marks the top of the range, not a promise.
How Brenham home insurance quotes differ
Brenham homeowners are priced on several connected factors that underwriters check when they build a quote. The heaviest factors are typically rebuild cost, roof age and material, and exposure to storms or wildfire; deductible choice and claims history can move the final premium as much as which carrier you pick.
Rebuilding the home in comparable materials at current labor and material costs sets what replacement cost measures. When a Brenham home has a higher rebuild estimate, the price tends to climb, since the carrier could owe more.
Frame or masonry walls, the roof covering, and overall build quality all influence how the home holds up against Texas’s wind, hail, and fire events, which is why construction type and roof details carry weight.
Location risk captures storm, hail, wildfire, and crime scores that can change by ZIP code and neighborhood within Brenham, so two homes with similar rebuild costs might still quote differently.
Fire protection counts as well: a nearby hydrant, a short drive to the fire station, and the local protection class can all help the price.
A recent claim tied to the home or the household can raise the price for Brenham renewals as well as new policies, because claims history is a big rating factor.
Credit-based insurance score, where state rules allow it, is another input; higher scores typically bring cheaper premiums when the carrier uses that factor.
Brenham, TX home & auto bundle savings
Average bundle savings, illustrated, not a guaranteed quote. Actual savings vary with the carrier and the drivers.
| Place | 1-car bundle | 2-car bundle | 3-car bundle |
|---|---|---|---|
| Brenham, Texas | $258 | $436 | $636 |
Neighborhoods in Brenham
- Brenham Downtown Historic District
- Ralston Creek
- Oak Alley
- Gun and Rod Estates
Housing and weather facts for Brenham
The NOAA Storm Events Database logged 3 hail reports within about 5 miles of Brenham from 2016 through 2025; 2 were one inch or bigger. Top size measured 1 inch in May 2016 near Brenham.
The National Risk Index from FEMA shows elevated ratings for tornado (“Relatively Moderate”), strong-wind (“Relatively Moderate”), and hurricane (“Relatively Moderate”) in Washington County.
From 2000 on, Washington County has appeared in 11 major disaster declarations; the latest was Hurricane Beryl (July 2024).
The median home in Brenham was built in 1983. About 47% of homes were built before 1980, so wiring, plumbing, and roof updates often come up in underwriting.
The Census Bureau’s 2020–2024 American Community Survey counts about 8,306 housing units in Brenham, and owners occupy about 51% of the occupied homes. Looking at building types, 61% are detached single-family houses, 31% are in buildings with two or more units, and 5.6% are mobile homes.
Occupied homes in Brenham are heated mostly with electricity (63%) and utility gas (34%).
Brenham traces its official start to 1844. It takes its name from Richard Fox Brenham. Brenham’s population went from 13,507 at the 2000 Census to 15,716 at the 2010 Census, and the Census Bureau’s July 2024 estimate is 19,728. That works out to about 46% more residents than in 2000.
Older NOAA hail logs add more history: SPC data show 15 hail reports within 5 miles of Brenham between 1955 and 2015; the biggest stones, 2 inches, fell on March 20, 1957. 1 of those reports were 2 inches or larger. The NOAA Storm Prediction Center database shows 19 tornadoes that began within 10 miles of Brenham from 1950 through 2015, the strongest an F3 on June 5, 1950.
Looking at neighboring communities? See our home insurance pages for Hempstead (19 mi), Navasota (24 mi), and Waller (28 mi).
Brenham-area ZIP codes we insure
77833 · 77834
