Freedom Insurance Group works with Cleburne, TX with side-by-side homeowners quotes from 25+ companies.
What makes Cleburne, TX different
Cleburne counts about 30,020 residents in Johnson County.
Cleburne lies within the Johnson County area, and there day-to-day insurance shopping is shaped more by the features of each home and carrier appetite than by any single landmark.
The housing stock is largely single-family homes typical of the Johnson County area, but replacement cost, roof age, and construction type still explain most premium differences from street to street.
Carriers rating North Texas homes usually account for severe thunderstorms, hail, and tornado risk common across the Plains.
Home insurance pricing in Cleburne, TX
The typical homeowners insurance premium in Cleburne, TX is about $1,615 annually for a typical local home (typical local home value about $221,100). 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 36% lower — near $1,034 per year for a typical home, roughly $1,227 for a $300,000 home, about $1,726 for a $600,000 home, and around $2,246 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 Cleburne dwelling curve (typical local home value about $221,100). Illustrated estimates, not a quote.
Figures are 2026 market-style estimates for Cleburne, TX, using a typical local home value of about $221,100. 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): After a covered loss, this limit covers rebuilding the house itself; make sure it tracks what rebuilding costs in your area today.
- Other structures (B): A detached garage, a shed, a fence, or similar buildings separate from the main house are covered here.
- Personal property (Coverage C): This covers furniture, clothing, and everyday belongings inside the home, with special limits that may apply to higher-value categories.
- Loss of use (Coverage D): When repairs after a covered claim make the house unlivable, this coverage helps with the extra living costs.
- Personal liability (Coverage E): It pays when you are legally responsible for injuries to others or damage to their property from a covered incident.
- Medical payments (F): For guests injured on your property, this can pay medical bills, usually without a liability claim being filed.
Ways to cut the premium in Cleburne, TX
| 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 decides which discounts it offers and how large they are. Read “up to” as the top end, not a guarantee.
Why Cleburne home insurance prices vary
Cleburne homeowners are priced on several interlocking factors that underwriters weigh when they build a quote. Deductible choice and past claims can move the final premium as much as the carrier brand itself, but rebuild cost, roof age and material, and storm or wildfire exposure tend to dominate.
Define replacement cost as what rebuilding would cost the house using similar materials at present-day prices. Bigger rebuild figures for Cleburne properties usually push up premiums because the carrier’s maximum payout increases with that figure.
Frame or masonry walls, the roofing material, and how well the house is built all influence how the property fares against Texas’s wind, hail, and fire events, so construction type and roof details count.
Location risk is the reason similar homes can price differently: carriers score storm, hail, wildfire, and crime exposure down to ZIP code and neighborhood in Cleburne.
A better fire protection rating that reflects the protection class and nearby hydrants and stations tends to make the premium lower.
Carriers check claims history closely; a recent loss on the property or household often push Cleburne renewals and new quotes higher.
Credit-based insurance score, where state law permits, is another input; higher scores typically bring lower prices when the carrier uses that factor.
Cleburne, TX bundling home and auto
Illustrated average bundle savings, not a guaranteed quote. Actual savings depend on carriers and drivers.
| Place | 1-car bundle | 2-car bundle | 3-car bundle |
|---|---|---|---|
| Cleburne, Texas | $258 | $436 | $636 |
Housing and weather facts for Cleburne
The National Risk Index from FEMA shows elevated ratings for hail (“Relatively Moderate”), tornado (“Relatively High”), wildfire (“Relatively Moderate”), and strong-wind (“Relatively Moderate”) in Johnson County.
Half of Cleburne’s homes were built in or before 1983. Roughly 46% of homes were built before 1980, which means electrical, plumbing, and roof upgrades can change eligibility and price.
Home heating in Cleburne runs mainly on electricity (71%) and utility gas (28%).
On tornadoes, NOAA recorded 3 tornadoes starting within 10 miles of Cleburne in 2016–2025, with the strongest at EF2 during April 2022.
NOAA’s Storm Events Database lists 32 hail reports within about 7 miles of Cleburne from 2016 through 2025; 29 were one inch or bigger. The largest was 3 inches in May 2024.
The Census Bureau’s 2020–2024 American Community Survey counts about 12,467 housing units in Cleburne, and owners occupy close to 60% of the occupied homes. Of all units, 71% are detached single-family houses and 24% are in buildings with two or more units.
Named places the USGS records in and around Cleburne include Lebanon and Oak Hill. Each area can price differently based on build era, roof, and fire protection.
Since 2000, Johnson County has been part of 5 major disaster declarations; the latest was Severe Winter Storms (February 2021).
Cleburne traces its official start to 1867. The town is named for Patrick Cleburne. Cleburne’s population went from 26,005 at the 2000 Census to 29,337 at the 2010 Census, and the Census Bureau’s July 2024 estimate is 38,131. Growth since 2000 comes to roughly 47%.
Earlier hail records help too: NOAA’s Storm Prediction Center counts 53 hail reports within 5 miles of Cleburne between 1955 and 2015; the biggest stones, 2.75 inches, fell on May 4, 1989. 6 of those reports were 2 inches or larger. NOAA Storm Prediction Center records list 59 tornadoes that began within 10 miles of Cleburne from 1950 through 2015; the most powerful, rated F4, touched down on May 26, 1976.
Comparing homes in nearby towns? See our home insurance pages for Joshua (7 mi), Burleson (12 mi), and Crowley (16 mi).
ZIP codes we cover near Cleburne
76031 · 76033 · 76058
Neighborhoods around Cleburne
- Stephens
- Bellevue Place
- Lovelady
- Ridgecrest
- Heard
- Willowcreek
- Smith-Fairview
- Bellevue Crest
- Woodward
- Oak Grove Place
- Placid Acres
- Meadowbrook Estates
- Berkley Heights
- Westhill
- Avondale
- Scruggs
- Chamber East
- West Hollow
- Westridge
- Fairfield
