Compare more wisely in Commerce with an independent agency that shops multiple carriers and explains the tradeoffs before you buy.
A closer look at Commerce, TX
Commerce is home to about 8,892 residents, located in Hunt County.
Commerce is located in the Hunt 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 Hunt County area; rebuild cost, roof age, and construction still explain most premium differences block by block.
Homes in North Texas are often rated for severe thunderstorms, hail, and tornado risk shared across the Plains.
What homeowners pay in Commerce
The typical homeowners insurance premium in Commerce, TX is about $1,462 annually for a typical local home (typical local home value about $260,000). 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 41% lower — near $863 per year for a typical home, roughly $963 for a $300,000 home, about $1,356 for a $600,000 home, and around $1,764 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 Commerce dwelling curve (typical local home value about $260,000). Illustrated estimates, not a quote.
Figures are 2026 market-style estimates for Commerce, TX, using a typical local home value of about $260,000. Freedom figures apply an approximate 41% savings vs the local typical premium for illustration. Your quote depends on dwelling limit, roof, deductible, claims, and carrier. Not a guarantee.
What a standard home policy includes
- Coverage A, dwelling: After a covered loss, this limit covers rebuilding the structure; keep it in line with current local reconstruction costs.
- 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 coverage protects 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 helps pay the extra living costs.
- Personal liability (E): When you are found legally liable for injuring another person or damaging their things after a covered incident, this coverage steps in.
- Coverage F, medical payments: This coverage can help with guest medical bills for injuries that happen on your property, often without requiring a formal liability claim.
Common discounts for Commerce, 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% |
Discount availability and amounts differ from carrier to carrier. Read “up to” as the ceiling, not what everyone gets.
What moves home insurance rates in Commerce
Carriers put together a Commerce home quote from several overlapping factors reviewed together. Look for rebuild cost, the roof’s age and type, and storm and wildfire exposure to drive most of the price. The deductible you pick and your claims record can swing the final premium about as much as the carrier brand.
Replacement cost is the amount needed to rebuild the home with comparable materials at today’s prices for labor and supplies. A bigger rebuild figure on a Commerce home, premiums generally go up, because the insurer’s exposure grows.
Construction type and roof details count as well: frame versus masonry walls, roofing material, and overall build quality all influence how a property performs in wind, hail, and fire scenarios common across Texas.
Location risk reflects storm, hail, wildfire, and crime scores that can vary by ZIP code and neighborhood within Commerce, so two homes with similar rebuild costs might still quote differently.
Fire protection counts as well: a hydrant close by, quick fire-station response, and a good protection class rating can all help the premium.
Claims history is a heavy factor: for Commerce homes, recent household or property claims can raise the premium on both renewals and fresh quotes.
Where state rules allow it, companies can use a credit-based insurance score, and a better score usually means lower premiums.
Local housing and storm data: Commerce
The median home in Commerce was built in 1976. Roughly 58% of homes were built before 1980, so wiring, plumbing, and roof updates are worth documenting for a quote.
Since 2000, Hunt County has appeared in 7 major disaster declarations; the most recent was Severe Winter Storms (February 2021).
In FEMA’s National Risk Index, Hunt County rates above the low end for hail (“Relatively High”), tornado (“Relatively High”), winter-weather (“Relatively Moderate”), and strong-wind (“Relatively High”).
For heat, Commerce households mostly rely on electricity (70%) and utility gas (29%).
NOAA’s Storm Events Database lists 5 hail reports within about 5 miles of Commerce from 2016 through 2025; 4 were one inch or bigger. The biggest was 1.75 inches in June 2019.
The Census Bureau’s 2020–2024 American Community Survey counts about 3,658 housing units in Commerce, and homeowners occupy close to 42% of the occupied homes. Of all units, 50% are detached single-family houses, 42% are in buildings with two or more units, and 5.0% are mobile homes.
The Census Bureau counted 7,669 people in Commerce at the 2000 Census and 8,078 at the 2010 Census; its July 2024 estimate is 9,800. That is growth of roughly 28% since 2000.
Going further back, NOAA’s Storm Prediction Center counts 16 hail reports within 5 miles of Commerce between 1955 and 2015, topped by hail of 1.75 inches on May 13, 1981. Federal tornado records from NOAA’s Storm Prediction Center list 15 tornadoes that began within 10 miles of Commerce from 1950 through 2015, the strongest an F2 on January 14, 1960.
Shopping around the area? See our home insurance pages for Greenville (15 mi), Sulphur Springs (18 mi), and Farmersville (27 mi).
ZIP codes we serve in and around Commerce
75428
Bundling home and auto in Commerce, TX
Illustrated average bundle savings, not guaranteed. Actual savings come down to the carrier and the drivers.
| Place | 1-car bundle | 2-car bundle | 3-car bundle |
|---|---|---|---|
| Commerce, Texas | $258 | $436 | $636 |
Keep exploring Texas insurance resources
Shop homeowners coverage for Commerce, TX
Freedom Insurance Group checks 25+ carriers on behalf of Commerce households. Phone (800) 253-1482 or begin a free home quote online.
