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A closer look at Anna, TX
Roughly 11,463 people live in Anna and lies within Collin County.
Anna is located in the Collin County area, and there everyday insurance shopping is shaped more by the features of each home and carrier appetite than by any single landmark.
Homes are mostly single-family properties typical of the Collin County area; 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 common across the Plains.
Average home insurance cost in Anna
The typical homeowners insurance premium in Anna, TX is about $2,049 annually for a typical local home (typical local home value about $351,700). 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 $1,291 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 Anna dwelling curve (typical local home value about $351,700). Illustrated estimates, not a quote.
Figures are 2026 market-style estimates for Anna, TX, using a typical local home value of about $351,700. 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.
Coverage basics for homeowners
- Dwelling (Coverage A): It pays to rebuild the house itself after a covered loss, and it should match what rebuilding costs locally right now.
- Coverage B, other structures: Coverage for buildings set apart from the house, such as a garage, shed, or fence.
- Coverage C, personal property: Furniture, clothing, and the other things you own in the home are protected, though special limits can cap higher-value categories.
- Loss of use (D): While a covered loss keeps you out of the home, this helps pay added costs like a rental or hotel.
- Coverage E, personal liability: Should you be held legally responsible for bodily injury or property damage to others from a covered event, this coverage steps in.
- Medical payments (Coverage F): This coverage can help with guest medical bills for injuries that happen on your property, often without needing a formal liability claim.
Home insurance discounts in Anna, 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% |
Discounts and their size depend on the carrier. Read “up to” as the top end, not a guarantee.
How Anna home insurance premiums differ
Several factors shape the price for Anna homeowners, and underwriters review them together while pricing. Deductible choice and past claims can move the final premium as much as the carrier brand itself, while rebuild cost, roof age and material, and storm or wildfire exposure typically matter most.
Rebuilding your house in comparable materials at today’s labor and supply prices sets what replacement cost captures. What the insurer might pay tracks the rebuild estimate, so bigger estimates on Anna homes tend to mean bigger premiums.
Whether walls are frame or masonry, what the roof is made of, and general construction quality all influence how the home holds up in Texas’s wind, hail, and fire events, so construction type and roof details carry weight.
Location risk explains why two comparable houses may not match on price: underwriters rate storm, hail, wildfire, and crime exposure down to ZIP code and neighborhood across Anna.
A better fire protection profile that reflects the protection class and nearby hydrants and stations often makes a quote more competitive.
Claims history carries real weight: for Anna homes, claims in the last few years can raise the premium on both renewals and fresh quotes.
Credit-based insurance score, where state rules allow it, is another lever; better scores generally line up with lower premiums when the carrier uses that factor.
Areas of Anna
- Avery Pointe
- Westfield
- Creekside
- AnaCapri
- Coyote Meadows
- Shadowbend
- The Woods at Lindsey Place
- Prose Anna Town Square
- Sweetwater Crossing
- Meadow Ridge Estates
- Camden Park in Anna
- Tara Farms
- Northpointe Crossing
Anna homes by the numbers
From 2000 on, Collin County has appeared in 6 major disaster declarations; the most recent is Severe Storms, Straight-Line Winds, Tornadoes, and Flooding (May 2024).
The median home in Anna was built in 2012. Roughly 58% of homes went up in 2010 or later, and age-of-home discounts come up often.
FEMA’s National Risk Index flags hail (“Very High”), tornado (“Very High”), winter-weather (“Relatively High”), and strong-wind (“Relatively High”) in Collin County.
The Census Bureau’s 2020–2024 American Community Survey counts about 8,111 housing units in Anna, and owners occupy about 78% of the occupied homes. Looking at building types, 92% are detached single-family houses and 5.9% are in buildings with two or more units.
The NOAA Storm Events Database logged 26 hail reports within about 6 miles of Anna from 2016 through 2025 (24 at one inch or more). Top size was 2 inches in September 2025 near Melissa.
Home heating in Anna runs mainly on electricity (69%) and utility gas (29%).
Tornado history matters here as well: NOAA lists 4 tornadoes starting within 10 miles of Anna between 2016 and 2025, the most intense an EF2 during December 2022.
Anna’s recorded beginnings date to 1867. The Census Bureau counted 1,225 people in Anna at the 2000 Census and 8,249 at the 2010 Census; its July 2024 estimate is 31,986. That is growth of roughly 2511% since 2000.
Older NOAA hail logs add more history: SPC data show 27 hail reports within 5 miles of Anna between 1955 and 2015; the biggest stones, 1.75 inches, fell on April 5, 2005. Federal tornado records from NOAA’s Storm Prediction Center list 17 tornadoes that began within 10 miles of Anna from 1950 through 2015; the strongest was an F3 on May 9, 2006. NOAA ties that tornado to 3 deaths and 10 injuries.
Comparing homes in nearby towns? See our home insurance pages for Melissa (4 mi), Van Alstyne (5 mi), and Howe (12 mi).
Where we write coverage around Anna
75409
Bundling home and auto in Anna, TX
These illustrate average bundle savings, not a guaranteed quote. Actual savings come down to carriers and drivers.
| Place | 1-car bundle | 2-car bundle | 3-car bundle |
|---|---|---|---|
| Anna, Texas | $258 | $436 | $636 |
Keep exploring Texas coverage options
Price homeowners coverage for Anna, TX
Freedom Insurance Group compares 25+ carriers for Anna residents. Reach us at (800) 253-1482 or request a home quote online.
