What follows: homeowners coverage for Crockett, the local context, what drives cost, and a no-guesswork way to compare quotes.
Getting to know Crockett, TX
Crockett has around 6,554 residents and sits in Houston County.
Crockett is part of the Houston County area, and there everyday insurance shopping is shaped more by home characteristics and carrier appetite than by any single landmark.
Homes are mostly single-family properties typical of the Houston 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.
What households pay for home insurance in Crockett
The typical homeowners insurance premium in Crockett, TX is about $1,504 annually for a typical local home (typical local home value about $270,000). 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 40% lower — near $902 per year for a typical home, roughly $980 for a $300,000 home, about $1,379 for a $600,000 home, and around $1,794 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 Crockett dwelling curve (typical local home value about $270,000). Illustrated estimates, not a quote.
Figures are 2026 market-style estimates for Crockett, TX, using a typical local home value of about $270,000. Freedom figures apply an approximate 40% savings vs the local typical premium for illustration. Your quote depends on dwelling limit, roof, deductible, claims, and carrier. Not a guarantee.
How Crockett home insurance premiums differ
A Crockett home insurance price rests on several connected factors that carriers check together. Rebuild cost, roof age and material, and local storm or wildfire exposure tend to move the number most, while deductible choice and claims history can change the final premium as much as the carrier brand itself.
Replacement cost is the cost to rebuild the home with like-kind materials at today’s prices for labor and supplies. Because the carrier’s top payout grows with the rebuild estimate, higher estimates for Crockett properties usually lift premiums.
Frame or masonry walls, what the roof is made of, and how well the house is built all shape how the property fares in the wind, hail, and fire common across Texas, which is why construction type and roof details matter too.
Similar Crockett houses with close rebuild estimates may still get different quotes because of location risk: scores for storms, hail, wildfire, and crime that vary by ZIP code and neighborhood.
Fire protection plays in as well: hydrant access, quick fire-station response, and the local protection class can all help the price.
Claims history is a heavy factor: for Crockett homes, a recent claim on the home or household often means higher rates at renewal and on new quotes.
Credit-based insurance score also plays a role where it is permitted: companies that apply it usually charge less when scores are higher.
What a standard home policy includes
- Dwelling (A): This limit pays to rebuild the structure of your home after a covered loss, and it should track local rebuilding costs today.
- Coverage B, other structures: Coverage for structures not attached to the home, such as a fence, shed, or detached garage.
- Personal property (Coverage C): Your furniture, clothes, and everyday belongings indoors fall under this coverage, but certain valuable items have lower limits.
- Loss of use (Coverage D): When repairs after a covered claim make the house unlivable, it can cover additional living expenses.
- Coverage E, personal liability: This coverage responds when you are legally responsible for bodily injury or property damage to others arising from a covered incident.
- Medical payments (Coverage F): For guests injured on your property, this can pay medical bills, frequently with no formal liability claim.
Home insurance discounts in Crockett, 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% |
Which discounts apply and how much they are worth vary by carrier. Treat “up to” as the top end, not a guarantee.
Local housing and storm data: Crockett
Half of Crockett’s homes were built in or before 1972. About 67% of homes were built before 1980, which means wiring, plumbing, and roof updates often come up in underwriting.
The NOAA Storm Events Database logged 7 hail reports within about 5 miles of Crockett from 2016 through 2025; 5 were one inch or bigger. The biggest was 1 inch in April 2019.
ACS 2020–2024 estimates put about 3,213 housing units in Crockett, and homeowners occupy roughly 48% of the occupied homes. By structure type, 61% are detached single-family houses, 31% are in buildings with two or more units, and 5.2% are mobile homes.
Since 2000, Houston County has appeared in 13 major disaster declarations; the most recent is Hurricane Beryl (July 2024).
Occupied homes in Crockett are heated mostly with electricity (60%) and utility gas (38%).
Census counts put Crockett at 7,141 residents in 2000 and 6,950 in 2010, and the Census Bureau’s July 2024 estimate is 6,387. That is roughly 11% fewer residents than in 2000.
Older NOAA hail logs add more history: the Storm Prediction Center lists 25 hail reports within 5 miles of Crockett between 1955 and 2015, topped by hail of 2.75 inches on April 10, 2004. 2 of those reports were 2 inches or larger. The NOAA Storm Prediction Center database shows 13 tornadoes that began within 10 miles of Crockett from 1950 through 2015, the strongest an F3 on May 16, 1953. That tornado’s record lists 1 death and 8 injuries.
ZIP codes we cover in and around Crockett
75835
Home-and-auto bundles in Crockett, TX
The amounts shown are illustrated averages for bundling, not a quote. Actual savings vary with carriers and drivers.
| Place | 1-car bundle | 2-car bundle | 3-car bundle |
|---|---|---|---|
| Crockett, Texas | $258 | $436 | $636 |
How to save on home insurance in Crockett
- Shop more than one carrier, since risk appetite differs.
- Bundle home and auto when it truly lowers the package price.
- Raise deductibles only if you can absorb the out-of-pocket cost.
- Ask about roof, alarm, and claims-free credits that apply to your home.
Related Texas coverage pages
Crockett, TX home insurance quotes
Freedom Insurance Group compares 25+ carriers for Crockett residents. Next step: begin a home quote online or dial (800) 253-1482.
