Shopping home coverage for a Cedar Creek household can be simple; Freedom Insurance Group helps. Ask for a quote online or call (800) 253-1482.
Home insurance premiums in Cedar Creek, TX
| Scenario | Market estimate | FIG illustrated (39% less) |
|---|---|---|
| Typical Cedar Creek home (~$279,400) | $1,544/yr | $942/yr |
| $300,000 dwelling | $1,633/yr | $996/yr |
| $600,000 dwelling | $2,298/yr | $1,402/yr |
| $1,000,000 dwelling | $2,990/yr | $1,824/yr |
The typical homeowners insurance premium in Cedar Creek, TX is about $1,544 annually for a typical local home (typical local home value about $279,400). 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 $942 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 Cedar Creek dwelling curve (typical local home value about $279,400). Illustrated estimates, not a quote.
Figures are 2026 market-style estimates for Cedar Creek, TX, using a typical local home value of about $279,400. 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.
What drives home insurance premiums in Cedar Creek
Cedar Creek homeowners are priced on several interlocking factors that underwriters check when they build a quote. Most of the price comes from rebuild cost, the roof’s age and material, and exposure to storms or wildfire; your deductible and claims record can swing the final premium as much as the company you choose.
Replacement cost comes down to a simple question: how much would it take to rebuild this home right now, with similar materials, at today’s prices for labor and materials? Because the carrier’s top payout climbs with the rebuild estimate, larger figures for Cedar Creek homes usually lift premiums.
Construction type and roof details matter as well: underwriters check frame versus masonry construction, the roof covering, and how solidly the home is built, because these factors shape how it fares in wind, hail, and fire events common across Texas.
Homes in Cedar Creek with similar rebuild costs may still get different quotes due to location risk: scores for storms, hail, wildfire, and crime that change by ZIP code and neighborhood.
Fire protection looks at hydrant and fire-station distance along with local protection class, and a stronger protection profile can support sharper pricing.
Claims history is a heavy factor: for Cedar Creek homes, a recent claim on the home or household can raise the premium for renewals and new business alike.
Where state rules allow it, carriers may use a credit-based insurance score, and a stronger score usually means a lower price.
What makes Cedar Creek, TX unique
Cedar Creek lies in Bastrop County.
Cedar Creek is located in the Bastrop County area, and there day-to-day insurance shopping is driven more by home characteristics and carrier appetite than by any single landmark.
The housing stock is a mix of single-family homes typical of the Bastrop County area, and replacement cost, roof age, and construction type still drive most premium differences block by block.
Homes in North Texas are often rated for severe thunderstorms, hail, and tornado risk shared across the Plains.
Common discounts for Cedar 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% |
Every insurer decides its own discount menu and sizes. Treat “up to” as the top end, not a promise.
Homeowners policy coverages, A through F
- Dwelling (A): Following a covered loss, this coverage pays to rebuild the house itself; keep it in line with today’s local rebuild costs.
- Other structures (Coverage B): This handles structures not attached to the home, for example a shed, fence, or garage.
- Personal property (C): Protects what is inside the house: furniture, clothing, and everyday items. Higher-value categories can be subject to special limits.
- Loss of use (D): This helps with additional living expenses when a covered claim makes the home temporarily unlivable during repairs.
- Coverage E, personal liability: If you are legally responsible for injuring another person or damaging their things in a covered incident, this coverage steps in.
- Medical payments (Coverage F): This coverage can help with guest medical bills for injuries that occur on your property, often without needing a formal liability claim.
Cedar Creek, TX home & auto bundle savings
These show average bundling savings, not a quote. Actual savings come down to the carriers and drivers involved.
| Place | 1-car bundle | 2-car bundle | 3-car bundle |
|---|---|---|---|
| Cedar Creek, Texas | $258 | $436 | $636 |
Cedar Creek homes by the numbers
Occupied homes in Cedar Creek are heated mostly with electricity (90%) and propane or other bottled gas (6.5%). Propane tanks and wood stoves are items underwriters ask about, since they can affect eligibility.
In FEMA’s National Risk Index, Bastrop County rates above the low end for hail (“Relatively Moderate”), tornado (“Relatively High”), winter-weather (“Relatively Moderate”), and strong-wind (“Relatively Moderate”).
Tornadoes are part of the picture too: NOAA recorded 1 tornado touching down within 10 miles of Cedar Creek in 2016–2025, with the strongest at EF0 during May 2021.
Half of Cedar Creek’s homes were built in or before 2002. There is a spread of ages: 2.9% predate 1980 and 15% were built in 2010 or later.
Since 2000, Bastrop County has appeared in 12 major disaster declarations; the most recent is Severe Winter Storm (April 2023).
Census survey estimates (ACS 2020–2024) show about 1,010 housing units in Cedar Creek, and owner-occupants live in roughly 91% of the occupied homes. Of all units, 39% are detached single-family houses and 61% are mobile homes.
The NOAA Storm Events Database logged 1 hail report within about 6 miles of Cedar Creek from 2016 through 2025. The largest measured 0.88 inches in April 2024 around Elysium.
Older NOAA hail logs add more history: SPC data show 11 hail reports within 5 miles of Cedar Creek between 1955 and 2015, topped by hail of 2.75 inches on April 19, 1992. Reports of 2-inch or bigger hail number 1 in that span. Federal tornado records from NOAA’s Storm Prediction Center list 10 tornadoes that began within 10 miles of Cedar Creek from 1950 through 2015; the most powerful, rated EF1, touched down on May 25, 2015.
Looking at neighboring communities? See our home insurance pages for Bastrop (12 mi), Lockhart (17 mi), and Manor (19 mi).
ZIP codes we insure in and around Cedar Creek
78612 · 78617
More Texas coverage pages
Cedar Creek, TX home insurance quotes
In Cedar Creek, Freedom Insurance Group compares 25+ carriers. To get started, request a home quote on our site or dial (800) 253-1482.
