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Typical homeowners costs in Burleson
The typical homeowners insurance premium in Burleson, TX is about $1,939 annually for a typical local home (typical local home value about $308,200). 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 $1,202 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 Burleson dwelling curve (typical local home value about $308,200). Illustrated estimates, not a quote.
Figures are 2026 market-style estimates for Burleson, TX, using a typical local home value of about $308,200. 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.
Burleson, TX: local context
Burleson counts about 43,625 residents and sits in Johnson County.
Burleson sits in the Johnson County area, where everyday insurance shopping is driven more by home characteristics and carrier appetite than by any single landmark.
Most homes are single-family properties typical of the Johnson County area; rebuild cost, roof age, and construction still explain most premium differences block by block.
Carriers rating North Texas homes usually account for severe thunderstorms, hail, and tornado risk typical of the Plains.
Coverage basics for homeowners
Following a covered loss, this coverage rebuilds your home’s structure; keep it in line with what rebuilding costs in your area today.
It covers detached features such as a garage, shed, fence, or similar buildings that are not attached to the main house.
Furniture, clothing, and the other things you own in the home are covered here, though special limits can cap higher-value categories.
This coverage can help with additional living expenses when a covered claim makes the home temporarily unlivable during repairs.
This applies when you are legally responsible for bodily injury or property damage to others resulting from a covered incident.
If a visitor is injured at your home, this can pay medical bills, usually without a liability claim being filed.
Common discounts for Burleson, 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% |
Every insurer decides its own discount menu and sizes. Treat “up to” as the top end, not a promise.
What drives home insurance premiums in Burleson
Underwriters build a Burleson home quote from several interlocking factors. The biggest movers are usually rebuild cost, roof age and material, and local storm or wildfire exposure; deductible choice and claims history can swing the final premium as much as the company you choose.
Replacement cost is a straightforward idea: how much would it take to rebuild this home right now, using comparable materials, at current labor and supply prices? Higher rebuild estimates for Burleson properties usually push up premiums since the carrier’s maximum payout rises with that figure.
Whether walls are frame or masonry, what the roof is made of, and general construction quality all shape how the property fares in the wind, hail, and fire common across Texas, which is why construction type and roof details count.
Scores for storms, hail, wildfire, and crime make up location risk, which can change by ZIP code and neighborhood in Burleson, so homes with similar rebuild costs may still price differently.
Carriers rate fire protection using protection class plus hydrant and station distance; good protection tends to mean a more competitive price.
Claims history is still a major rating input: recent claims on the property or household often increase rates for Burleson renewals and new business quotes as well.
Credit-based insurance score can move the price where rules allow: insurers relying on it generally offer lower premiums for stronger scores.
Home-and-auto bundles in Burleson, TX
The figures below are illustrated averages for bundling, not a guaranteed quote. Actual savings depend on carriers and drivers.
| Place | 1-car bundle | 2-car bundle | 3-car bundle |
|---|---|---|---|
| Burleson, Texas | $258 | $436 | $636 |
Burleson housing stock and storm history
In FEMA’s National Risk Index, Johnson County rates above the low end for hail (“Relatively Moderate”), tornado (“Relatively High”), wildfire (“Relatively Moderate”), and strong-wind (“Relatively Moderate”).
NOAA’s Storm Events Database lists 64 hail reports within about 6 miles of Burleson from 2016 through 2025, 50 of them one inch or larger. The biggest was 4 inches in June 2023 around Burleson.
The median home in Burleson was built in 2002. Roughly 29% of homes went up in 2010 or later, and discounts for newer construction come up often.
ACS 2020–2024 estimates put about 19,212 housing units in Burleson, and owners occupy roughly 72% of the occupied homes. By structure type, 81% are detached single-family houses and 14% are in buildings with two or more units.
On tornadoes, NOAA recorded 4 tornadoes starting within 10 miles of Burleson over 2016–2025, the most intense an EF2 in April 2022.
The USGS GNIS lists these named communities and subdivisions in and around Burleson: Cross Timber, Briaroaks, Keeler, and Wooded Hills. Rates can still differ from one section to the next because of construction era and roof condition.
Occupied homes in Burleson are heated mostly with electricity (81%) and utility gas (18%).
Since 2000, Johnson County has appeared in 5 major disaster declarations; the latest is Severe Winter Storms (February 2021).
It takes its name from Rufus Columbus Burleson. Burleson’s population went from 20,976 at the 2000 Census to 36,690 at the 2010 Census, and the Census Bureau’s July 2024 estimate is 56,253. That works out to about 168% more residents than in 2000.
Earlier hail records help too: NOAA’s Storm Prediction Center counts 72 hail reports within 5 miles of Burleson between 1955 and 2015, topped by hail of 2.75 inches on April 24, 1978. 8 of those reports were 2 inches or larger. The NOAA Storm Prediction Center database shows 40 tornadoes that began within 10 miles of Burleson from 1950 through 2015, the strongest an F3 on March 26, 1961.
Looking at neighboring communities? See our home insurance pages for Crowley (5 mi), Joshua (5 mi), and Rendon (7 mi).
Burleson-area ZIP codes we insure
76028 · 76058 · 76097
Related Texas coverage pages
Burleson, TX home insurance quotes
Burleson homeowners get quotes from 25+ carriers with Freedom Insurance Group. Phone (800) 253-1482 or begin a free home quote online.
