Use Freedom Insurance Group to compare homeowners insurance quotes in Fairview, TX. We shop 25+ carriers and help you match coverage to the home or vehicles you actually own.
Average cost of home insurance in Fairview, TX
| Home value tier | Market est. | Freedom Insurance Group example |
|---|---|---|
| Typical local home (~$597,300) | $2,691 | $1,668 |
| $300,000 dwelling | $1,917 | $1,189 |
| $600,000 dwelling | $2,697 | $1,672 |
| $1,000,000 dwelling | $3,510 | $2,176 |
The typical homeowners insurance premium in Fairview, TX is about $2,691 annually for a typical local home (typical local home value about $597,300). 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 38% lower — near $1,668 per year for a typical home, roughly $1,189 for a $300,000 home, about $1,672 for a $600,000 home, and around $2,176 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 Fairview dwelling curve (typical local home value about $597,300). Illustrated estimates, not a quote.
Figures are 2026 market-style estimates for Fairview, TX, using a typical local home value of about $597,300. Freedom figures apply an approximate 38% savings vs the local typical premium for illustration. Your quote depends on dwelling limit, roof, deductible, claims, and carrier. Not a guarantee.
What makes Fairview, TX different
Around 10,372 people live in Fairview within Texas.
Fairview lies within Texas, where everyday insurance shopping is driven more by home characteristics and carrier appetite than by any single landmark.
Housing here is a mix of single-family homes typical of Texas, but replacement cost, roof age, and construction type still drive most premium differences from one house to the next.
Insurers in North Texas often price in severe thunderstorms, hail, and tornado risk common across the Plains.
What moves home insurance rates in Fairview
A Fairview home insurance price comes from a handful of related inputs that carriers check as a group. The heaviest factors are typically rebuild cost, the roof’s age and material, and local storm or wildfire exposure; deductible choice and claims history can change the final premium as much as the carrier brand itself.
Replacement cost is a straightforward idea: what would it cost to rebuild this home today, using comparable materials, at current labor and supply prices? What the insurer might pay moves with the rebuild estimate, which is why bigger estimates on Fairview homes tend to mean bigger premiums.
Construction type and roof details also move the price: carriers want to know frame versus masonry construction, the roofing material, and how solidly the home is built, because those details decide how it handles the wind, hail, and fire seen across Texas.
Location risk is the reason neighbors can pay different amounts: underwriters rate storm, hail, wildfire, and crime risk by ZIP code and neighborhood across Fairview.
Fire protection looks at how far the home sits from hydrants and stations plus the local protection class, and a stronger protection profile may earn lower premiums.
Claims history is still a major rating input: recent claims on the property or household tend to raise rates for Fairview renewals and new business quotes as well.
Some carriers factor in a credit-based insurance score when state rules permit; the stronger the score, the lower the premium tends to be.
Ways to cut the premium in Fairview, 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% |
Discounts are not uniform across carriers, and sizes vary. Read “up to” as the maximum, not what everyone gets.
Homeowners policy coverages, A through F
- Coverage A, dwelling: The limit that rebuilds the house after a covered loss. It should keep pace with local rebuilding prices.
- Other structures (Coverage B): This portion applies to detached features such as a garage, shed, fence, or similar buildings that sit apart from the main house.
- Personal property (C): This covers furniture, clothing, and everyday belongings inside the home, with special limits that can apply to higher-value categories.
- Coverage D, loss of use: Added costs of living elsewhere while the home is being repaired after a covered claim makes it unlivable.
- Coverage E, personal liability: If you are legally responsible for someone else’s injury or property damage after a covered incident, this part responds.
- Coverage F, medical payments: This coverage can help with guest medical bills for injuries that occur on your property, often without requiring a formal liability claim.
Fairview, TX home and auto bundling
The amounts shown show average bundling savings, not a quote. Actual savings come down to the carriers and drivers involved.
| Place | 1-car bundle | 2-car bundle | 3-car bundle |
|---|---|---|---|
| Fairview, Texas | $252 | $420 | $640 |
Neighborhoods in Fairview
- Silhouette
- Nature Place Addition
- Serenity Addition
- Sloan Creek
- Hawks Wood
- Wooded Creek Villas
- Village
- Villas in the Park
- The Cortona
- Meridian at Southgate
- Overture Fairview
- Glenbrook Estates
- Hendrick Estates
Local housing and storm data: Fairview
NOAA storm records show 59 hail reports within about 5 miles of Fairview from 2016 through 2025, 52 of them one inch or larger. The largest measured 2.75 inches in May 2024.
The median home in Fairview was built in 2006. Roughly 33% of homes went up in 2010 or later, so discounts for newer construction are often in play.
Home heating in Fairview runs mainly on utility gas (54%) and electricity (43%).
Since 2000, Collin County has been part of 6 major disaster declarations; the most recent was Severe Storms, Straight-Line Winds, Tornadoes, and Flooding (May 2024).
The USGS GNIS lists these named communities and subdivisions in and around Fairview: Forest Grove and Wetsel. Each area can price differently because of construction era and roof condition.
Census survey estimates (ACS 2020–2024) show about 4,552 housing units in Fairview, and owner-occupants live in about 74% of the occupied homes. Of all units, 66% are detached single-family houses and 27% are in buildings with two or more units.
Tornado history matters here as well: NOAA lists 1 tornado starting within 10 miles of Fairview in 2016–2025, the strongest rated EF0 in October 2019.
The National Risk Index from FEMA shows elevated ratings for hail (“Very High”), tornado (“Very High”), winter-weather (“Relatively High”), and strong-wind (“Relatively High”) in Collin County.
The Census Bureau counted 2,644 people in Fairview at the 2000 Census and 7,248 at the 2010 Census; its July 2024 estimate is 10,922. That is growth of roughly 313% since 2000.
Earlier hail records help too: the Storm Prediction Center lists 61 hail reports within 5 miles of Fairview between 1955 and 2015, topped by hail of 4.5 inches on July 2, 1989. Reports of 2-inch or bigger hail number 1 in that span. The NOAA Storm Prediction Center database shows 19 tornadoes that began within 10 miles of Fairview from 1950 through 2015; the strongest was an F3 on April 2, 1957.
Shopping around the area? We also have home insurance pages for Allen (4 mi), McKinney (5 mi), and Parker (6 mi).
Where we write coverage around Fairview
75069
Keep exploring Texas insurance resources
Fairview, TX home insurance quotes
Fairview residents get a comparison of 25+ carriers with Freedom Insurance Group. Reach us at (800) 253-1482 or request a home quote online.
