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Home insurance prices in Cedar Park
The typical homeowners insurance premium in How Much Does Cedar Park, TX is about $2,032 annually for a typical local home (typical local home value about $474,800). 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 42% lower — near $1,179 per year for a typical home, roughly $947 for a $300,000 home, about $1,333 for a $600,000 home, and around $1,734 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 How Much Does Cedar Park dwelling curve (typical local home value about $474,800). Illustrated estimates, not a quote.
Figures are 2026 market-style estimates for How Much Does Cedar Park, TX, using a typical local home value of about $474,800. Freedom figures apply an approximate 42% savings vs the local typical premium for illustration. Your quote depends on dwelling limit, roof, deductible, claims, and carrier. Not a guarantee.
A closer look at Cedar Park, TX
Cedar Park counts roughly 77,516 residents in Texas.
Cedar Park sits in Texas, and there day-to-day insurance shopping is driven more by the features of each home 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 drive most premium differences block by block.
Central Texas pricing reflects hail, wind, and wildfire fringe risk in Hill Country and metro fringe areas.
What a standard home policy includes
It pays to rebuild the house itself after a covered loss, and it should keep pace with what rebuilding costs locally right now.
A detached garage, a shed, a fence, or similar buildings separate from the main house are protected by this part.
It protects furniture, clothing, and everyday belongings inside the home, with special limits that may apply to higher-value categories.
This coverage can help with additional living expenses when a covered claim makes the home temporarily unlivable during repairs.
This coverage responds when you are legally responsible for bodily injury or property damage to others arising from a covered incident.
If a visitor is injured at your home, this can pay medical bills, frequently with no formal liability claim.
Savings opportunities for Cedar Park, 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% |
Each company chooses its own discounts and amounts. Read “up to” as the ceiling, not a guarantee.
How Cedar Park home insurance prices vary
Cedar Park homeowners are priced on several related factors that underwriters review when they build a quote. The heaviest factors are typically rebuild cost, the roof’s age and material, and local storm or wildfire exposure; deductible choice and claims history can move the final premium as much as which carrier you pick.
Replacement cost is the amount needed to rebuild the home with like-kind materials at today’s prices for labor and supplies. When a Cedar Park home has a higher rebuild estimate, the premium usually rises, because the insurer’s exposure grows.
Frame or masonry walls, the roof covering, and how well the house is built all influence how the home holds up against Texas’s wind, hail, and fire events, which is why construction type and roof details matter too.
Two Cedar Park homes 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.
A better fire protection rating that reflects close hydrants, a nearby station, and a good protection class tends to make pricing more competitive.
Claims history carries real weight: for Cedar Park homes, claims in the last few years can raise the premium at renewal and on new quotes.
Many insurers look at a credit-based insurance score when state rules permit; the stronger the score, the lower the premium tends to be.
Bundling home and auto in Cedar Park, TX
Average bundle savings, illustrated, not a guaranteed quote. Actual savings vary with the carrier and the drivers.
| Place | 1-car bundle | 2-car bundle | 3-car bundle |
|---|---|---|---|
| How Much Does Cedar Park, Texas | $160 | $240 | $340 |
What public data says about Cedar Park homes
The USGS GNIS lists these named communities and subdivisions in and around Cedar Park: White Stone and Walkerton. Each area can price differently because of construction era and roof condition.
Occupied homes in Cedar Park are heated mostly with utility gas (54%) and electricity (43%).
Tornado history matters here as well: NOAA lists 3 tornadoes starting within 10 miles of Cedar Park between 2016 and 2025, the strongest rated EF2 during March 2022.
NOAA storm records show 47 hail reports within about 6 miles of Cedar Park from 2016 through 2025 (36 at one inch or more). The biggest measured 3.5 inches in September 2023 near Round Rock.
The National Risk Index from FEMA shows elevated ratings for hail (“Relatively High”), tornado (“Relatively High”), winter-weather (“Very High”), and strong-wind (“Relatively Moderate”) in Williamson County.
ACS 2020–2024 estimates put about 29,364 housing units in Cedar Park, and homeowners occupy roughly 67% of the occupied homes. Looking at building types, 73% are detached single-family houses and 24% are in buildings with two or more units.
The median home in Cedar Park was built in 2005. Roughly 31% of homes went up in 2010 or later, and discounts for newer construction can matter here.
From 2000 on, Williamson County has been part of 9 major disaster declarations; the most recent is Severe Storms, Straight-Line Winds, and Flooding (July 2025).
Local history records show Cedar Park was established in 1887 and incorporated on February 24, 1973. The Census Bureau counted 26,049 people in Cedar Park at the 2000 Census and 48,937 at the 2010 Census; its July 2024 estimate is 78,380. That is growth of roughly 201% since 2000.
Older NOAA hail logs add more history: the Storm Prediction Center lists 55 hail reports within 5 miles of Cedar Park between 1955 and 2015, topped by hail of 4 inches on April 19, 1982. Reports of 2-inch or bigger hail number 5 in that span. Federal tornado records from NOAA’s Storm Prediction Center list 17 tornadoes that began within 10 miles of Cedar Park from 1950 through 2015; the most powerful, rated F3, touched down on April 7, 1980. NOAA ties that tornado to 1 death and 5 injuries.
Looking at neighboring communities? See our home insurance pages for Brushy Creek (5 mi), Leander (5 mi), and Round Rock (9 mi).
Where we write coverage around Cedar Park
78613 · 78630 · 78726
Neighborhoods in Cedar Park
- Woodland Village
- Springwoods
- Hunter’s Chase
- Rattan Creek
- Barrington Oaks
- Indian Oaks
- Anderson Mill
- Pond Springs
- Jollyville
- Lakeline Villas
- Cypress Creek
- Riviera Springs
- Lakeline Crossing
- Marquis on Lakeline
- Bexley at Lakeline
- La Costa at Lakeline
- Altis Lakeline
- Muir Lake
Other Texas insurance guides
Cedar Park, TX home insurance quotes
Freedom Insurance Group compares 25+ carriers for Cedar Park residents. Call (800) 253-1482 or begin a free home quote online.
