Freedom Insurance Group works with Carrizo Springs, TX with side-by-side homeowners quotes from 25+ companies.
What makes Carrizo Springs, TX stand out
Carrizo Springs is home to roughly 5,898 residents and sits in Dimmit County.
Carrizo Springs sits in the Dimmit County area, where everyday insurance shopping is shaped more by home characteristics and carrier appetite than by any single landmark.
Most homes are single-family houses typical of the Dimmit County area; rebuild cost, roof age, and construction still explain most premium differences block by block.
North Texas homes are often rated for severe thunderstorms, hail, and tornado risk common across the Plains.
Home insurance prices in Carrizo Springs, TX
The typical homeowners insurance premium in Carrizo Springs, 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 38% lower — near $869 per year for a typical home, roughly $1,012 for a $300,000 home, about $1,425 for a $600,000 home, and around $1,854 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 Carrizo Springs dwelling curve (typical local home value about $237,500). Illustrated estimates, not a quote.
Figures are 2026 market-style estimates for Carrizo Springs, TX, using a typical local home value of about $237,500. 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.
The six parts of a home policy
- Coverage A, dwelling: Following a covered loss, this coverage rebuilds your home’s structure; make sure it tracks today’s local rebuild costs.
- Other structures (B): This handles buildings set apart from the house, for example a garage, shed, or fence.
- Personal property (Coverage C): Covers the contents of the home: furniture, clothing, and everyday items. Valuables like jewelry may have special limits.
- Loss of use (Coverage D): Extra living expenses until repairs are done after a covered claim leaves it uninhabitable.
- Coverage E, personal liability: It responds when you are legally responsible for harm to other people or their property arising from a covered incident.
- Medical payments (F): For guests injured on your property, this can pay medical bills, frequently with no formal liability claim.
Discounts for Carrizo Springs, 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% |
Not every carrier offers every discount, and amounts differ too. “Up to” shows the maximum, not a promise.
What moves home insurance rates in Carrizo Springs
Pricing for a Carrizo Springs home rests on a handful of related inputs that underwriters review side by side. Rebuild cost, roof age and material, and local storm or wildfire exposure have the biggest effect, while deductible choice and claims history can shift the final premium as much as the carrier brand itself.
Rebuilding the home with similar materials at today’s labor and supply prices sets what replacement cost measures. Bigger rebuild figures for Carrizo Springs properties generally raise premiums since the carrier’s maximum payout grows with that figure.
Whether walls are frame or masonry, the roofing material, and general construction quality each affect how a house performs in the wind, hail, and fire common across Texas, which is why construction type and roof details matter too.
Scores for storms, hail, wildfire, and crime make up location risk, and they vary by ZIP code and neighborhood in Carrizo Springs, so houses with comparable rebuild costs can still get different prices.
A strong fire protection rating based on close hydrants, a nearby station, and a good protection class tends to make pricing more competitive.
Claims history is still a major rating input: recent claims on the property or household tend to raise rates for Carrizo Springs renewals and new business quotes alike.
Credit-based insurance score, where state law permits, is another input; higher scores typically bring cheaper premiums when the carrier uses that factor.
Bundling home and auto in Carrizo Springs, TX
These show average bundling savings, not a quote. Actual savings depend on carriers and drivers.
| Place | 1-car bundle | 2-car bundle | 3-car bundle |
|---|---|---|---|
| Carrizo Springs, Texas | $258 | $436 | $636 |
What public data says about Carrizo Springs homes
Half of Carrizo Springs’ homes were built in or before 1978. Roughly 54% of homes were built before 1980, so wiring, plumbing, and roof updates often come up in underwriting.
Home heating in Carrizo Springs runs mainly on electricity (92%) and utility gas (7.9%).
From 2000 on, Dimmit County has been part of 7 major disaster declarations; the latest was Severe Storms, Straight-Line Winds, Tornadoes, and Flooding (September 2026).
ACS 2020–2024 estimates put about 2,194 housing units in Carrizo Springs, and homeowners occupy about 64% of the occupied homes. Looking at building types, 71% are detached single-family houses, 14% are in buildings with two or more units, and 12% are mobile homes.
NOAA storm records show 5 hail reports within about 5 miles of Carrizo Springs from 2016 through 2025 (4 at one inch or more). The largest was 2.75 inches in April 2016.
Carrizo Springs’ recorded beginnings date to 1865. Carrizo Springs’ population went from 5,655 at the 2000 Census to 5,368 at the 2010 Census, and the Census Bureau’s July 2024 estimate is 4,586. That is roughly 19% fewer residents than in 2000.
Going further back, NOAA’s Storm Prediction Center counts 21 hail reports within 5 miles of Carrizo Springs between 1955 and 2015, topped by hail of 2.75 inches on May 6, 1969. Reports of 2-inch or bigger hail number 2 in that span. Federal tornado records from NOAA’s Storm Prediction Center list 3 tornadoes that began within 10 miles of Carrizo Springs from 1950 through 2015, the strongest an F2 on February 25, 1971.
ZIP codes we insure in and around Carrizo Springs
78834
