Compare homeowners insurance quotes in Beeville, TX with Freedom Insurance Group. We compare 25+ carriers and help you match coverage to the home and vehicles you really own.
Average cost of home insurance in Beeville, TX
| Home value tier | Market est. | FIG illustrated |
|---|---|---|
| Typical local home (~$237,500) | $1,401 | $883 |
| $300,000 dwelling | $1,633 | $1,029 |
| $600,000 dwelling | $2,298 | $1,448 |
| $1,000,000 dwelling | $2,990 | $1,884 |
The typical homeowners insurance premium in Beeville, TX is about $1,401 annually for a typical local home (typical local home value about $237,500). 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 37% lower — near $883 per year for a typical home, roughly $1,029 for a $300,000 home, about $1,448 for a $600,000 home, and around $1,884 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 Beeville dwelling curve (typical local home value about $237,500). Illustrated estimates, not a quote.
Figures are 2026 market-style estimates for Beeville, TX, using a typical local home value of about $237,500. 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.
Getting to know Beeville, TX
Roughly 13,277 people live in Beeville, located in Bee County.
Beeville lies within the Bee County area, and there everyday insurance shopping is shaped more by the features of each home and carrier appetite than by any single landmark.
Local housing is a mix of single-family homes typical of the Bee County area, but replacement cost, roof age, and construction type still explain most premium differences from street to street.
Insurers in North Texas often price in severe thunderstorms, hail, and tornado risk common across the Plains.
What affects home insurance premiums in Beeville
A handful of connected factors shape what Beeville homeowners pay, and carriers look at all of them while pricing. The deductible you choose and your claims history can change the final price as much as the choice of carrier, but rebuild cost, the roof’s age and material, and local storm or wildfire risk usually move the number most.
Replacement cost comes down to a simple question: what would it cost to rebuild the house today, using comparable materials, at today’s prices for labor and materials? Because the carrier’s top payout rises with the rebuild estimate, bigger estimates for Beeville homes usually lift premiums.
Construction type and roof details also matter: frame versus masonry walls, the roof covering, and overall build quality all affect how a property holds up in wind, hail, and fire that are common across Texas.
Storm, hail, wildfire, and crime scores drive location risk, and they vary by ZIP code and neighborhood in Beeville, meaning houses with comparable rebuild costs can still get different prices.
Underwriters grade fire protection by the local protection class and how far away hydrants and stations are; a stronger profile often brings lower pricing.
Claims history stays a major rating input: recent claims on the property or household often increase rates for Beeville renewals and new business quotes as well.
Credit-based insurance score can move the price in states that allow it: carriers that use it generally offer lower premiums for stronger scores.
Savings opportunities for Beeville, 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 and their size depend on the carrier. “Up to” shows the maximum, not a guarantee.
Homeowners coverage basics
- Coverage A, dwelling: It pays to rebuild the house itself after a covered loss, and it should keep pace with what rebuilding costs locally right now.
- Other structures (Coverage B): Protection for buildings set apart from the house, such as a garage, shed, or fence.
- Coverage C, personal property: Covers the contents of the home: furniture, clothing, and everyday items. Pricier categories often carry sublimits.
- Loss of use (Coverage D): This coverage can help with additional living expenses when a covered claim makes the home uninhabitable for a time during repairs.
- Coverage E, personal liability: When you are found legally liable for bodily injury or property damage to others after a covered incident, it applies.
- Medical payments (Coverage F): When a guest gets hurt on your property, this can pay medical bills, often without a formal liability claim.
Home-and-auto bundles in Beeville, TX
Average bundle savings, illustrated, not guaranteed. Actual savings come down to carriers and drivers.
| Place | 1-car bundle | 2-car bundle | 3-car bundle |
|---|---|---|---|
| Beeville, Texas | $258 | $436 | $636 |
Beeville housing stock and storm history
For heat, Beeville households mostly rely on electricity (80%) and utility gas (20%).
Since 2000, Bee County has appeared in 8 major disaster declarations; the latest is Severe Winter Storms (February 2021).
NOAA storm records show 1 hail report within about 5 miles of Beeville from 2016 through 2025, and it was at least one inch across. Top size measured 1.75 inches in February 2016 around Beeville.
Beeville’s median year built is 1974. Roughly 62% of homes were built before 1980, which means wiring, plumbing, and roof updates can change eligibility and price.
Named communities and subdivisions in USGS place-name records near Beeville include Old Houston Highway Colonia and Old Airport Road Colonia. Older and newer sections can quote differently based on build era, roof, and fire protection.
The National Risk Index from FEMA shows elevated ratings for tornado (“Relatively Moderate”) and hurricane (“Relatively Moderate”) in Bee County.
The Census Bureau’s 2020–2024 American Community Survey counts about 5,676 housing units in Beeville, and homeowners occupy about 59% of the occupied homes. By structure type, 67% are detached single-family houses, 22% are in buildings with two or more units, and 10% are mobile homes.
On tornadoes, NOAA lists 1 tornado touching down within 10 miles of Beeville between 2016 and 2025, the strongest rated EF0 during April 2019.
By the historical record, Beeville was settled in 1859 and incorporated in 1890. Beeville’s population went from 13,129 at the 2000 Census to 12,863 at the 2010 Census, and the Census Bureau’s July 2024 estimate is 13,176. Numbers have held fairly steady since 2000.
Going further back, SPC data show 29 hail reports within 5 miles of Beeville between 1955 and 2015; the biggest stones, 1.75 inches, fell on May 15, 1980. NOAA Storm Prediction Center records list 19 tornadoes that began within 10 miles of Beeville from 1950 through 2015, the strongest an F2 on September 17, 1968.
Shopping around the area? See our home insurance pages for Sinton (30 mi) and Refugio (30 mi).
ZIP codes we insure in and around Beeville
78102 · 78104
Browse Texas coverage guides
Beeville, TX home insurance quotes
Freedom Insurance Group checks 25+ carriers for Beeville residents. To get started, begin a home quote on our site or call (800) 253-1482.
