Freedom Insurance Group serves Aubrey, TX by providing side-by-side homeowners quotes from 25+ companies.
What makes Aubrey, TX stand out
Aubrey counts about 3,352 residents in Denton County.
Aubrey sits in the Denton County area, and there routine insurance shopping is shaped more by home characteristics and carrier appetite than by any single landmark.
Housing here is largely single-family homes typical of the Denton County area, but replacement cost, roof age, and construction type still explain most premium differences from one house to the next.
Carriers rating North Texas homes commonly factor in severe thunderstorms, hail, and tornado risk typical of the Plains.
Home insurance pricing in Aubrey, TX
The typical homeowners insurance premium in Aubrey, TX is about $2,033 annually for a typical local home (typical local home value about $345,000). 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 38% lower — near $1,260 per year for a typical home, roughly $1,189 for a $300,000 home, about $1,672 for a $600,000 home, and around $2,176 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 Aubrey dwelling curve (typical local home value about $345,000). Illustrated estimates, not a quote.
Figures are 2026 market-style estimates for Aubrey, TX, using a typical local home value of about $345,000. Freedom figures apply an approximate 38% savings vs the local typical premium for illustration. Your quote depends on dwelling limit, roof, deductible, claims, and carrier. Not a guarantee.
What a standard home policy includes
- Dwelling (Coverage A): This is the limit that pays to rebuild the house itself after a covered loss, and it should keep pace with what rebuilding costs locally right now.
- Other structures (B): Sheds, fences, detached garages, and the like that stand apart from the house fall here.
- Personal property (C): Protects what is inside the house: furniture, clothing, and everyday items. Valuables like jewelry may have special limits.
- Coverage D, loss of use: Temporary housing and related costs until repairs are done after a covered claim makes it unlivable.
- Personal liability (Coverage E): Protection when you are legally responsible for another person’s injury or property damage from a covered incident.
- Coverage F, medical payments: When a guest gets hurt on your property, it helps with their medical bills, usually without a liability claim being filed.
Savings opportunities for Aubrey, 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% |
Discounts are not uniform across carriers, and the amounts vary. Read “up to” as the top end, not what everyone gets.
Home insurance price factors in Aubrey
Several factors determine an Aubrey home premium, and carriers look at all of them before quoting. Rebuild cost, roof age and material, and local storm or wildfire exposure have the biggest effect, while deductible choice and claims history can swing the final premium as much as the carrier brand itself.
Replacement cost comes down to a simple question: how much would it take to rebuild the house right now, with similar materials, at current labor and supply prices? In Aubrey, a larger rebuild estimate, premiums generally go up, since the carrier could owe more.
Whether walls are frame or masonry, the roofing material, and general construction quality all influence how the home holds up in the wind, hail, and fire common across Texas, so construction type and roof details count.
Homes in Aubrey with close rebuild estimates may still get different quotes thanks to location risk: scores for storms, hail, wildfire, and crime that change by ZIP code and neighborhood.
Underwriters rate fire protection by protection class and hydrant and station distance; better protection tends to mean a better rate.
Claims history stays a major rating input: recent claims on the property or household tend to raise rates for Aubrey renewals and new business quotes too.
Credit-based insurance score, where state law permits, is one more factor; stronger scores usually correlate with lower prices when the carrier uses it.
Bundling home and auto in Aubrey, TX
The amounts shown illustrate average bundle savings, not a quote. Actual savings come down to the carrier and the drivers.
| Place | 1-car bundle | 2-car bundle | 3-car bundle |
|---|---|---|---|
| Aubrey, Texas | $258 | $436 | $636 |
Housing and weather facts for Aubrey
The median home in Aubrey was built in 2013. About 59% of homes went up in 2010 or later, so age-of-home discounts come up often.
Tornadoes are part of the picture too: NOAA logged 6 tornadoes starting within 10 miles of Aubrey over 2016–2025, with the strongest at EF1 in May 2024.
In FEMA’s National Risk Index, Denton County rates above the low end for hail (“Very High”), tornado (“Very High”), wildfire (“Relatively Moderate”), and winter-weather (“Relatively High”).
ACS 2020–2024 estimates put about 3,176 housing units in Aubrey, and homeowners occupy close to 76% of the occupied homes. Looking at building types, 87% are detached single-family houses and 9.3% are in buildings with two or more units.
Home heating in Aubrey runs mainly on electricity (67%) and utility gas (33%).
From 2000 on, Denton County has appeared in 8 major disaster declarations; the most recent was Severe Storms, Straight-Line Winds, Tornadoes, and Flooding (May 2024).
The NOAA Storm Events Database logged 13 hail reports within about 5 miles of Aubrey from 2016 through 2025; 11 were one inch or bigger. Top size measured 1.75 inches in April 2024 around Aubrey.
Aubrey’s population went from 1,500 at the 2000 Census to 2,595 at the 2010 Census, and the Census Bureau’s July 2024 estimate is 8,843. That works out to about 490% more residents than in 2000.
Earlier hail records help too: SPC data show 19 hail reports within 5 miles of Aubrey between 1955 and 2015, topped by hail of 2.75 inches on April 3, 2014. Reports of 2-inch or bigger hail number 1 in that span. The NOAA Storm Prediction Center database shows 10 tornadoes that began within 10 miles of Aubrey from 1950 through 2015; the strongest was an F3 on June 12, 1966.
Shopping around the area? See our home insurance pages for Providence Village (5 mi), Cross Roads (6 mi), and Pilot Point (6 mi).
ZIP codes we cover near Aubrey
76227
