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What makes Brushy Creek, TX different
Around 21,764 people live in Brushy Creek in Texas.
Brushy Creek is part of Texas, and there day-to-day insurance shopping is driven more by home characteristics and carrier appetite than by any single landmark.
Most homes are single-family properties like those across Texas; rebuild cost, roof age, and construction still explain most premium differences block by block.
In North Texas, homes are often rated for severe thunderstorms, hail, and tornado risk common across the Plains.
Average home insurance cost in Brushy Creek
The typical homeowners insurance premium in Brushy Creek, TX is about $2,092 annually for a typical local home (typical local home value about $499,300). 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 36% lower — near $1,339 per year for a typical home, roughly $1,045 for a $300,000 home, about $1,471 for a $600,000 home, and around $1,914 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 Brushy Creek dwelling curve (typical local home value about $499,300). Illustrated estimates, not a quote.
Figures are 2026 market-style estimates for Brushy Creek, TX, using a typical local home value of about $499,300. Freedom figures apply an approximate 36% savings vs the local typical premium for illustration. Your quote depends on dwelling limit, roof, deductible, claims, and carrier. Not a guarantee.
How a homeowners policy is built
- Dwelling (Coverage A): This is the limit that pays to rebuild your home’s structure after a covered loss, and it should match current reconstruction costs in your area.
- Other structures (B): It covers detached features such as a garage, shed, fence, or similar buildings that stand separate from the main house.
- Personal property (Coverage C): Furniture, clothing, and the other things you own in the home fall under this coverage, though some higher-value categories carry special sublimits.
- Loss of use (Coverage D): Added costs of living elsewhere during repairs after a covered claim forces you out.
- Coverage E, personal liability: This applies when you are legally responsible for harm to other people or their property caused by a covered incident.
- Medical payments (Coverage F): For guests injured on your property, this can pay medical bills, often without a formal liability claim.
Savings opportunities for Brushy Creek, 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 maximum, not a promise.
What shapes home insurance prices in Brushy Creek
Several factors shape the price for Brushy Creek homeowners, and carriers look at all of them before quoting. 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 shift the final premium as much as the carrier brand itself.
Replacement cost answers one question: what would it cost to rebuild this home right now, using comparable materials, at current labor and supply prices? What the insurer might pay follows the rebuild estimate, which is why larger Brushy Creek rebuild numbers usually mean bigger premiums.
Frame or masonry walls, the roof covering, and general construction quality all influence how a house performs in Texas’s wind, hail, and fire events, which is why construction type and roof details matter too.
Scores for storms, hail, wildfire, and crime feed into location risk, and they vary by ZIP code and neighborhood in Brushy Creek, meaning homes with similar rebuild costs can still get different prices.
Fire protection counts as well: a hydrant close by, quick fire-station response, and the local protection class can all help pricing.
Carriers check claims history on every quote; recent claims tied to the home or the people in it can push rates up for Brushy Creek renewals and new policies.
In states that allow it, carriers may use a credit-based insurance score, and a stronger score tends to bring lower premiums.
Neighborhoods around Brushy Creek
- Fern Bluff
- Stone Canyon
- Sauls Ranch
- Walsh Ranch
- The Oaklands
- Behrens Ranch
- Brushy Creek North
- Sendero Springs
- Preserve at Stone Oak
- Mayfield Ranch
- Arbor Place
- The Landing at Round Rock
- The Reserve at Wyoming Springs
- Vista Oaks
What public data says about Brushy Creek homes
Half of Brushy Creek’s homes were built in or before 1995. There is a spread of ages: 7.7% date from before 1980 and 4.6% went up in 2010 or later.
NOAA’s Storm Events Database lists 37 hail reports within about 5 miles of Brushy Creek from 2016 through 2025; 34 were one inch or bigger. Top size measured 4 inches in September 2023 around Round Rock.
Census survey estimates (ACS 2020–2024) show about 7,147 housing units in Brushy Creek, and owners occupy close to 73% of the occupied homes. By structure type, 82% are detached single-family houses and 17% are in buildings with two or more units.
For heat, Brushy Creek households mostly rely on utility gas (62%) and electricity (36%).
Tornadoes are part of the picture too: NOAA logged 5 tornadoes touching down within 10 miles of Brushy Creek between 2016 and 2025, the strongest rated EF2 during March 2022.
Since 2000, Williamson County has been part of 9 major disaster declarations; the most recent is Severe Storms, Straight-Line Winds, and Flooding (July 2025).
In FEMA’s National Risk Index, Williamson County rates above the low end for hail (“Relatively High”), tornado (“Relatively High”), winter-weather (“Very High”), and strong-wind (“Relatively Moderate”).
Going further back, SPC data show 58 hail reports within 5 miles of Brushy Creek between 1955 and 2015, the largest 4 inches on April 19, 1982. 7 of those reports were 2 inches or larger. Federal tornado records from NOAA’s Storm Prediction Center list 24 tornadoes that began within 10 miles of Brushy Creek from 1950 through 2015, the strongest an F3 on April 7, 1980. NOAA ties that tornado to 1 death and 5 injuries.
Looking at neighboring communities? Nearby home insurance pages: Round Rock (5 mi), How Much Does Cedar Park (5 mi), and Wells Branch (6 mi).
ZIP codes we serve in and around Brushy Creek
78613
Brushy Creek, TX bundling home and auto
Average bundle savings, illustrated, not a quote. Actual savings vary with the carrier and the drivers.
| Place | 1-car bundle | 2-car bundle | 3-car bundle |
|---|---|---|---|
| Brushy Creek, Texas | $258 | $436 | $636 |
More Texas insurance resources
Brushy Creek, TX homeowners quotes
Freedom Insurance Group compares 25+ carriers for Brushy Creek residents. Call (800) 253-1482 or request a home quote online.
