Shop smarter in Blue Mound with an independent agency that compares carriers and explains the tradeoffs before you buy.
What makes Blue Mound, TX different
Blue Mound is home to about 2,490 residents in Texas.
Blue Mound does not have big-city tourism headlines, so what matters for insurance is local construction, fire protection access, and regional storm patterns.
Homes are mostly single-family houses like those across Texas; replacement cost, roof age, and construction type still explain most premium differences block by block.
Insurers in North Texas commonly factor in severe thunderstorms, hail, and tornado risk common across the Plains.
What homeowners pay in Blue Mound
The typical homeowners insurance premium in Blue Mound, TX is about $1,536 annually for a typical local home (typical local home value about $277,500). 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 39% lower — near $937 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 Blue Mound dwelling curve (typical local home value about $277,500). Illustrated estimates, not a quote.
Figures are 2026 market-style estimates for Blue Mound, TX, using a typical local home value of about $277,500. 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.
Coverage basics for homeowners
- Dwelling (Coverage A): When a covered loss hits, this limit covers rebuilding the house itself; set it to match what rebuilding costs in your area today.
- Other structures (Coverage B): Sheds, fences, detached garages, and the like not attached to the home are protected by this part.
- Personal property (C): Your furniture, clothes, and everyday belongings indoors are protected, but special limits can cap higher-value categories.
- Loss of use (Coverage D): This helps with additional living expenses when a covered claim makes the home unlivable for a while during repairs.
- Personal liability (Coverage E): When you are found legally liable for bodily injury or property damage to others in a covered incident, it applies.
- Medical payments (Coverage F): It can help pay guest medical bills for injuries that occur on your property, often without needing a formal liability claim.
Homeowners discounts in Blue Mound, 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% |
Carriers do not all offer the same discounts, and amounts differ too. Treat “up to” as the ceiling, not a promise.
Premium drivers for homeowners in Blue Mound
Insurers put together a Blue Mound home quote from several interlocking factors reviewed together. 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.
Rebuilding your house in comparable materials at current labor and material costs defines what replacement cost measures. Since the carrier’s top payout climbs with the rebuild estimate, higher estimates for Blue Mound homes generally raise premiums.
Frame or masonry walls, the roof covering, and how well the house is built all shape how the property fares against Texas’s wind, hail, and fire events, which is why construction type and roof details matter too.
Homes in Blue Mound with similar rebuild costs can still price differently because of location risk: scores for storms, hail, wildfire, and crime that shift by ZIP code and neighborhood.
Fire protection looks at distance to hydrants and fire stations plus the area’s protection class, and better protection ratings often support sharper pricing.
Claims history is still a major rating input: recent claims on the property or household often increase rates for Blue Mound renewals and new business quotes alike.
Credit-based insurance score, where permitted by state rules, is another lever; stronger scores usually correlate with cheaper premiums when the carrier uses it.
Blue Mound homes by the numbers
Blue Mound’s median year built is 1974. About 62% of homes predate 1980, which means wiring, plumbing, and roof updates can change eligibility and price.
NOAA storm records show 41 hail reports within about 5 miles of Blue Mound from 2016 through 2025 (36 at one inch or more). Top size measured 3 inches in April 2021.
From 2000 on, Tarrant County has been part of 8 major disaster declarations; the most recent was Severe Winter Storms (February 2021).
FEMA’s National Risk Index flags hail (“Very High”), tornado (“Very High”), wildfire (“Relatively Moderate”), and winter-weather (“Very High”) in Tarrant County.
On tornadoes, NOAA recorded 12 tornadoes starting within 10 miles of Blue Mound over 2016–2025, with the strongest at EF1 during December 2022.
The Census Bureau’s 2020–2024 American Community Survey counts about 813 housing units in Blue Mound, and owner-occupants live in close to 69% of the occupied homes. Of all units, 87% are detached single-family houses and 12% are in buildings with two or more units.
For heat, Blue Mound households mostly rely on electricity (68%) and utility gas (31%).
Blue Mound dates its official start to 1957. The Census Bureau counted 2,388 people in Blue Mound at the 2000 Census and 2,394 at the 2010 Census; its July 2024 estimate is 2,317. Numbers have held fairly steady since 2000.
Older NOAA hail logs add more history: the Storm Prediction Center lists 69 hail reports within 5 miles of Blue Mound between 1955 and 2015; the biggest stones, 4.5 inches, fell on April 2, 1980. Reports of 2-inch or bigger hail number 8 in that span. Federal tornado records from NOAA’s Storm Prediction Center list 42 tornadoes that began within 10 miles of Blue Mound from 1950 through 2015, the strongest an F3 on March 28, 2000. That tornado’s record lists 2 deaths and 80 injuries.
Shopping around the area? See our home insurance pages for Saginaw (2 mi), Haltom (5 mi), and Fort Worth (5 mi).
ZIP codes we serve in and around Blue Mound
76131
Blue Mound, TX bundling home and auto
The amounts shown are illustrated averages for bundling, not a promise. Actual savings come down to the carrier and the drivers.
| Place | 1-car bundle | 2-car bundle | 3-car bundle |
|---|---|---|---|
| Blue Mound, Texas | $258 | $436 | $636 |
Browse Texas coverage guides
Blue Mound, TX home insurance quotes
Freedom Insurance Group checks 25+ carriers on behalf of Blue Mound households. Call (800) 253-1482 or start a free home quote online.
