Compare more wisely in Ennis with an independent agency that compares carriers and explains the tradeoffs before you buy.
About Ennis, TX
Ennis is home to about 19,007 residents and lies within Ellis County.
Ennis lies within the Ellis County area, and there everyday insurance shopping is driven more by the features of each home and carrier appetite than by any single landmark.
The housing stock is a mix of single-family homes typical of the Ellis County area, and replacement cost, roof age, and construction type still explain most premium differences block by block.
In North Texas, homes are often rated for severe thunderstorms, hail, and tornado risk shared across the Plains.
Average home insurance cost in Ennis
The typical homeowners insurance premium in Ennis, TX is about $1,516 annually for a typical local home (typical local home value about $272,500). 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 37% lower — near $955 per year for a typical home, roughly $1,029 for a $300,000 home, about $1,448 for a $600,000 home, and around $1,884 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 Ennis dwelling curve (typical local home value about $272,500). Illustrated estimates, not a quote.
Figures are 2026 market-style estimates for Ennis, TX, using a typical local home value of about $272,500. Freedom figures apply an approximate 37% 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
- Dwelling (Coverage A): The limit that rebuilds the house after a covered loss. Match it to current local construction costs.
- Other structures (B): Coverage for buildings set apart from the house, for example a garage, shed, or fence.
- Personal property (C): It protects furniture, clothing, and everyday belongings inside the home, with special limits that can apply to higher-value categories.
- Loss of use (D): This coverage can help with additional living expenses when a covered claim makes the home unlivable for a while during repairs.
- Personal liability (E): When you are found legally liable for injuring another person or damaging their things after a covered incident, this part responds.
- Medical payments (Coverage F): This coverage can help with guest medical bills for injuries that happen on your property, often without requiring a formal liability claim.
Discounts for Ennis, 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 carrier decides its own discount menu and sizes. “Up to” marks the top of the range, not a guaranteed amount.
Why Ennis home insurance premiums differ
A Ennis home insurance price rests on a set of connected factors that underwriters review together. Deductible choice and past claims can change the final price as much as the choice of carrier, but rebuild cost, the roof’s age and material, and local storm or wildfire risk usually move the number most.
Define replacement cost as what rebuilding would cost the home with comparable materials at present-day prices. What the insurer might pay moves with the rebuild estimate, which is why bigger estimates on Ennis homes usually mean higher premiums.
Construction type and roof details also move the price: carriers want to know frame versus masonry construction, the roof covering, and how solidly the home is built, since those details shape how it fares in wind, hail, and fire events common across Texas.
Two Ennis homes with close rebuild estimates might not cost the same because of location risk: storm, hail, wildfire, and crime scores that vary by ZIP code and neighborhood.
Fire protection weighs distance to hydrants and fire stations along with the local protection class, and stronger protection profiles can support lower premiums.
Carriers check claims history closely; a recent loss on the property or household can push the price up whether the Ennis policy is new or renewing.
Credit-based insurance score, where state rules allow it, is another lever; higher scores typically bring lower prices when the carrier relies on it.
Ennis housing stock and storm history
In FEMA’s National Risk Index, Ellis County rates above the low end for hail (“Relatively High”), tornado (“Relatively Moderate”), and winter-weather (“Relatively Moderate”).
Occupied homes in Ennis are heated mostly with electricity (68%), utility gas (28%), and propane or other bottled gas (3.1%). Wood stoves and propane tanks are worth mentioning on an application, since some carriers price or inspect them.
Half of Ennis’ homes were built in or before 1990. About 37% of homes were built before 1980, so system and roof updates are worth documenting for a quote.
Tornadoes are part of the picture too: NOAA lists 1 tornado starting within 10 miles of Ennis in 2016–2025, the most intense an EF0 during April 2024.
The Census Bureau’s 2020–2024 American Community Survey counts about 8,646 housing units in Ennis, and owner-occupants live in close to 63% of the occupied homes. Looking at building types, 75% are detached single-family houses, 19% are in buildings with two or more units, and 4.1% are mobile homes.
NOAA storm records show 21 hail reports within about 7 miles of Ennis from 2016 through 2025 (20 at one inch or more). Top size was 3 inches in June 2023 near Alma.
Since 2000, Ellis County has appeared in 8 major disaster declarations; the latest was Severe Storms, Straight-Line Winds, Tornadoes, and Flooding (May 2024).
Named places the USGS records in and around Ennis include Sonoma and Garrett. Older and newer sections can quote differently because of roof age, construction, and fire-station distance.
Ennis’ recorded beginnings date to 1872. Census counts put Ennis at 16,045 residents in 2000 and 18,513 in 2010, and the Census Bureau’s July 2024 estimate is 24,753. That is growth of roughly 54% since 2000.
Older NOAA hail logs add more history: NOAA’s Storm Prediction Center counts 36 hail reports within 5 miles of Ennis between 1955 and 2015, the largest 2.75 inches on April 25, 1994. Reports of 2-inch or bigger hail number 2 in that span. Federal tornado records from NOAA’s Storm Prediction Center list 12 tornadoes that began within 10 miles of Ennis from 1950 through 2015, the strongest an F2 on April 28, 1971. NOAA ties that tornado to 20 injuries.
Looking at neighboring communities? See our home insurance pages for Waxahachie (13 mi), Red Oak (15 mi), and Oak Leaf (18 mi).
ZIP codes we cover near Ennis
77119 · 75120 · 75152 · 75165 · 75119
Ennis, TX bundling home and auto
Illustrative average bundling savings, not a quote. Actual savings depend on carriers and drivers.
| Place | 1-car bundle | 2-car bundle | 3-car bundle |
|---|---|---|---|
| Ennis, Texas | $258 | $436 | $636 |
Keep exploring Texas coverage guides
Ennis, TX homeowners quotes
In Ennis, Freedom Insurance Group shops 25+ carriers. Ready when you are: request a home quote online or call (800) 253-1482.
