Homeowners quotes from 25+ companies, side by side, in Crowley, TX, from Freedom Insurance Group.
Crowley, TX: what is distinctive here
Roughly 14,853 people live in Crowley and sits in Tarrant County.
Crowley sits in the Tarrant County area, and there everyday insurance shopping is shaped more by the features of each home and carrier appetite than by any single landmark.
Homes are mostly single-family properties typical of the Tarrant County area; rebuild cost, roof age, and construction still drive most premium differences block by block.
North Texas homes are often rated for severe thunderstorms, hail, and tornado risk shared across the Plains.
Home insurance prices in Crowley, TX
The typical homeowners insurance premium in Crowley, TX is about $1,762 annually for a typical local home (typical local home value about $269,100). 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 40% lower — near $1,057 per year for a typical home, roughly $1,150 for a $300,000 home, about $1,618 for a $600,000 home, and around $2,106 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 Crowley dwelling curve (typical local home value about $269,100). Illustrated estimates, not a quote.
Figures are 2026 market-style estimates for Crowley, TX, using a typical local home value of about $269,100. 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.
Home insurance coverage basics
- Dwelling (A): Following a covered loss, this coverage covers rebuilding the structure; make sure it tracks current local reconstruction costs.
- Other structures (Coverage B): A detached garage, a shed, a fence, or similar buildings that stand apart from the house are covered here.
- Personal property (Coverage C): Furniture, clothing, and the other things you own indoors are protected, though some higher-value categories carry special sublimits.
- Loss of use (D): When repairs after a covered claim make the house unlivable, it can cover additional living expenses.
- Personal liability (Coverage E): This applies when you are legally responsible for injuring someone or damaging their property resulting from a covered incident.
- Coverage F, medical payments: Medical bills for guests injured on your property, frequently covered without a liability claim.
Common discounts for Crowley, 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 sets its own discounts and amounts. “Up to” shows the maximum, not a guaranteed amount.
Why Crowley home insurance prices vary
A homeowners quote in Crowley comes from a handful of interlocking factors underwriters weigh as a group. The heaviest factors are typically rebuild cost, roof age and material, and exposure to storms or wildfire; deductible choice and claims history can move the final premium as much as which carrier you pick.
Replacement cost answers one question: what would it cost to rebuild this home today, with similar materials, at today’s prices for labor and materials? Higher rebuild estimates for Crowley properties generally raise premiums since the carrier’s maximum payout grows with that figure.
Construction type and roof details also matter: frame versus masonry walls, the roof covering, and overall build quality all influence how a property performs in the wind, hail, and fire events common across Texas.
Location risk explains why two comparable houses may not match on price: underwriters rate storm, hail, wildfire, and crime risk down to ZIP code and neighborhood in Crowley.
A solid fire protection profile that reflects the protection class and nearby hydrants and stations can make a quote more competitive.
Claims history carries real weight: in Crowley, claims in the last few years can raise the premium on both renewals and fresh quotes.
Credit-based insurance score can move the price where rules allow: insurers relying on it generally offer lower premiums when scores are higher.
Crowley, TX home & auto bundle savings
Illustrated average bundle savings, not guaranteed. Actual savings come down to the carriers and drivers involved.
| Place | 1-car bundle | 2-car bundle | 3-car bundle |
|---|---|---|---|
| Crowley, Texas | $246 | $428 | $630 |
Crowley homes by the numbers
Tornado history matters here as well: NOAA recorded 4 tornadoes starting within 10 miles of Crowley in 2016–2025, with the strongest at EF2 during April 2022.
For heat, Crowley households mostly rely on electricity (59%) and utility gas (36%).
NOAA’s Storm Events Database lists 53 hail reports within about 5 miles of Crowley from 2016 through 2025; 42 were one inch or bigger. The biggest measured 4 inches in June 2023 around Burleson.
Census survey estimates (ACS 2020–2024) show about 6,556 housing units in Crowley, and owner-occupants live in about 74% of the occupied homes. By structure type, 81% are detached single-family houses, 10% are in buildings with two or more units, and 5.0% are mobile homes.
In FEMA’s National Risk Index, Tarrant County rates above the low end for hail (“Very High”), tornado (“Very High”), wildfire (“Relatively Moderate”), and winter-weather (“Very High”).
From 2000 on, Tarrant County has been part of 8 major disaster declarations; the latest is Severe Winter Storms (February 2021).
Crowley’s median year built is 2003. About 30% of homes went up in 2010 or later, and age-of-home discounts come up often.
Crowley’s recorded beginnings date to 1951. Census counts put Crowley at 7,467 residents in 2000 and 12,838 in 2010, and the Census Bureau’s July 2024 estimate is 20,483. Growth since 2000 comes to roughly 174%.
Earlier hail records help too: the Storm Prediction Center lists 61 hail reports within 5 miles of Crowley between 1955 and 2015, topped by hail of 3 inches on April 2, 1980. 7 of those reports were 2 inches or larger. The NOAA Storm Prediction Center database shows 39 tornadoes that began within 10 miles of Crowley from 1950 through 2015; the most powerful, rated F3, touched down on March 26, 1961.
Comparing homes in nearby towns? Nearby home insurance pages: Burleson (5 mi), Rendon (7 mi), and Forest Hill (8 mi).
Crowley-area ZIP codes we insure
76036
Crowley neighborhoods
- Crowley Manor
- Karis – Cottage Series
- Crowley Senior
- Karis – Village Series
- Palladium Crowley
- Landmark
- Lasater Ranch
- Hulen Trails
- Chalet City
- Crescent Springs
- Deer Creek
- Rainbow Ridge
- Coventry
- Worthington Point
- Mustang Creek Estates of Burleson
