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Home insurance prices in Alice
The typical homeowners insurance premium in Alice, TX is about $1,287 annually for a typical local home (typical local home value about $161,600). 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 39% lower — near $785 per year for a typical home, roughly $996 for a $300,000 home, about $1,402 for a $600,000 home, and around $1,824 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 Alice dwelling curve (typical local home value about $161,600). Illustrated estimates, not a quote.
Figures are 2026 market-style estimates for Alice, TX, using a typical local home value of about $161,600. Freedom figures apply an approximate 39% savings vs the local typical premium for illustration. Your quote depends on dwelling limit, roof, deductible, claims, and carrier. Not a guarantee.
What makes Alice, TX unique
About 19,408 people live in Alice, located in Jim Wells County.
Alice is located in the Jim Wells County area, and there routine insurance shopping is driven more by home characteristics and carrier appetite than by any single landmark.
Most homes are single-family houses typical of the Jim Wells County area; rebuild cost, roof age, and construction still drive most premium differences block by block.
In North Texas, homes are often rated for severe thunderstorms, hail, and tornado risk shared across the Plains.
The six parts of a home policy
This is the limit that pays to rebuild the structure of your home after a covered loss, and it should track current reconstruction costs in your area.
This part protects detached features such as a garage, shed, fence, or similar buildings that sit apart from the main house.
This coverage protects furniture, clothing, and everyday belongings inside the home, with special limits that may apply to higher-value categories.
When repairs after a covered claim make the house unlivable, this coverage helps with added costs like a rental or hotel.
This coverage responds when you are legally responsible for injuring someone or damaging their property arising from a covered incident.
This helps with guest medical bills for injuries that occur on your property, often without requiring a formal liability claim.
Common discounts for Alice, 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% |
Which discounts apply and how much they are worth depend on the carrier. “Up to” marks the top of the range, not a guarantee.
Home insurance price factors in Alice
A homeowners quote in Alice rests on several interlocking factors that underwriters review as a group. Rebuild cost, roof age and material, and local storm or wildfire exposure usually move the price the most, while deductible choice and claims history can swing 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 material prices. Bigger rebuild figures for Alice properties generally raise premiums because the carrier’s maximum payout increases with that figure.
Construction type and roof details count as well: frame versus masonry walls, roof covering, and overall build quality shape how a property fares in wind, hail, and fire seen across Texas.
Scores for storms, hail, wildfire, and crime drive location risk, and they can shift by ZIP code and neighborhood in Alice, meaning houses with comparable rebuild costs may still price differently.
Fire protection matters as well: a hydrant close by, a short drive to the fire station, and the local protection class can each help the premium.
Insurers look at claims history on every quote; fresh claims on the property or household tend to push rates up for Alice renewals and new policies.
Where state rules allow it, insurers may apply a credit-based insurance score, and a stronger score generally leads to a lower price.
Bundling home and auto in Alice, TX
Average bundle savings, illustrated, not a quote. Actual savings come down to the carrier and the drivers.
| Place | 1-car bundle | 2-car bundle | 3-car bundle |
|---|---|---|---|
| Alice, Texas | $258 | $436 | $636 |
Neighborhoods in Alice
- Sanchez Addition Colonia
- Guerra Estate Addition Colonia
- Holshouser Number 2 Colonia
- Guerra Addition Colonia
- Mayes Addition Colonia
- Holshouser Number 1 Colonia
- La Jolla Addition Colonia
- Holshouser Number 3 Colonia
- Rancho Alegre
- Martinez Addition Colonia
- Gallimore Addition Colonia
- McMasters Colonia
- North Hilltop Addition Colonia
- East Buena Vista Addition Colonia
Housing and weather facts for Alice
Occupied homes in Alice are heated mostly with electricity (72%) and utility gas (26%).
From 2000 on, Jim Wells County has appeared in 12 major disaster declarations; the most recent is Severe Winter Storms (February 2021).
The USGS GNIS lists these named communities and subdivisions in and around Alice: North Hilltop Addition Colonia, East Buena Vista Addition Colonia, Kiesling’s Colonia, Sanchez Addition Colonia, Guerra Estate Addition Colonia, and Holshouser Number 2 Colonia. Each area can price differently because of construction era and roof condition.
The National Risk Index from FEMA shows elevated ratings for hail (“Relatively Moderate”), tornado (“Relatively Moderate”), and hurricane (“Relatively High”) in Jim Wells County.
Half of Alice’s homes were built in or before 1974. Roughly 64% of homes were built before 1980, which means electrical, plumbing, and roof upgrades can change eligibility and price.
Census survey estimates (ACS 2020–2024) show about 7,016 housing units in Alice, and homeowners occupy close to 57% of the occupied homes. By structure type, 77% are detached single-family houses, 18% are in buildings with two or more units, and 4.0% are mobile homes.
NOAA’s Storm Events Database lists 2 hail reports within about 5 miles of Alice from 2016 through 2025; 2 were one inch or bigger. Top size was 1.25 inches in April 2016.
Alice traces its official start to 1888. The Census Bureau counted 19,010 people in Alice at the 2000 Census and 19,104 at the 2010 Census; its July 2024 estimate is 17,595. Numbers have held fairly steady since 2000.
Older NOAA hail logs add more history: SPC data show 33 hail reports within 5 miles of Alice between 1955 and 2015, topped by hail of 5 inches on May 30, 1968. Reports of 2-inch or bigger hail number 7 in that span. Federal tornado records from NOAA’s Storm Prediction Center list 29 tornadoes that began within 10 miles of Alice from 1950 through 2015; the most powerful, rated F2, touched down on August 10, 1980.
Shopping around the area? See our home insurance pages for Kingsville (21 mi) and Robstown (24 mi).
ZIP codes we cover near Alice
78332 · 78333
Browse Texas coverage guides
Alice, TX home insurance quotes
Alice homeowners get quotes from 25+ carriers through Freedom Insurance Group. Call (800) 253-1482 or start a free home quote online.
