Freedom Insurance Group works with Floresville, TX with side-by-side homeowners quotes from 25+ companies.
Floresville, TX: the local picture
Floresville counts about 7,321 residents and lies within Wilson County.
Floresville lies within the Wilson County area, where 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 Wilson County area, and replacement cost, roof age, and construction type still drive most premium differences block by block.
North Texas homes are often rated for severe thunderstorms, hail, and tornado risk common across the Plains.
Home insurance prices in Floresville, TX
The typical homeowners insurance premium in Floresville, TX is about $1,414 annually for a typical local home (typical local home value about $247,200). 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 35% lower — near $919 per year for a typical home, roughly $1,061 for a $300,000 home, about $1,494 for a $600,000 home, and around $1,944 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 Floresville dwelling curve (typical local home value about $247,200). Illustrated estimates, not a quote.
Figures are 2026 market-style estimates for Floresville, TX, using a typical local home value of about $247,200. Freedom figures apply an approximate 35% savings vs the local typical premium for illustration. Your quote depends on dwelling limit, roof, deductible, claims, and carrier. Not a guarantee.
Coverage basics for homeowners
- Dwelling (Coverage A): After a covered loss, this limit covers rebuilding your home’s structure; keep it in line with today’s local rebuild costs.
- Other structures (B): This handles structures not attached to the home, like a fence, shed, or detached garage.
- Coverage C, personal property: This covers furniture, clothing, and everyday belongings inside the home, with special limits that may apply to higher-value categories.
- Loss of use (Coverage D): If a covered claim forces you out during repairs, this coverage helps with the extra living costs.
- Personal liability (E): It pays when the law holds you responsible for another person’s injury or property damage arising from a covered event.
- Medical payments (Coverage F): For guests injured on your property, this can pay medical bills, often without a formal liability claim.
Discounts for Floresville, 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 discount menu and sizes. “Up to” marks the top of the range, not a promise.
What moves home insurance rates in Floresville
Multiple interlocking factors determine the price for Floresville homeowners, and underwriters review them together before quoting. Expect 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 may move the final price as much as the carrier brand.
Replacement cost answers one question: how much would it take to rebuild the house right now, using comparable materials, at today’s prices for labor and materials? Because the carrier’s top payout rises with the rebuild estimate, bigger estimates for Floresville houses tend to push up premiums.
Construction type and roof details also move the price: carriers want to know whether walls are frame or masonry, the roofing material, and the overall build quality, since those details shape how it fares in wind, hail, and fire events common across Texas.
Storm, hail, wildfire, and crime scores drive location risk, which can change by ZIP code and neighborhood in Floresville, meaning homes with similar rebuild costs can still get different prices.
Underwriters rate fire protection by protection class plus hydrant and station distance; a stronger profile often brings lower pricing.
Carriers check claims history closely; a recent loss on the property or household tend to push Floresville renewals and new quotes higher.
Credit-based insurance score, where state law permits, is one more factor; better scores generally line up with lower prices when the carrier relies on it.
Bundling home and auto in Floresville, TX
Average bundle savings, illustrated, not guaranteed. Actual savings come down to carriers and drivers.
| Place | 1-car bundle | 2-car bundle | 3-car bundle |
|---|---|---|---|
| Floresville, Texas | $258 | $436 | $636 |
Floresville housing stock and storm history
Since 2000, Wilson County has been part of 7 major disaster declarations; the most recent is Severe Winter Storms (February 2021).
Floresville’s median year built is 1999. Roughly 34% of homes went up in 2010 or later, so age-of-home discounts are often in play.
NOAA storm records show 7 hail reports within about 5 miles of Floresville from 2016 through 2025, 5 of them one inch or larger. The largest measured 1.75 inches in May 2017.
Home heating in Floresville runs mainly on electricity (71%) and utility gas (26%).
In FEMA’s National Risk Index, Wilson County rates above the low end for hail (“Relatively Moderate”) and tornado (“Relatively Moderate”).
Census survey estimates (ACS 2020–2024) show about 3,324 housing units in Floresville, and owner-occupants live in roughly 67% of the occupied homes. Looking at building types, 65% are detached single-family houses, 19% are in buildings with two or more units, and 16% are mobile homes.
Floresville’s population went from 5,868 at the 2000 Census to 6,448 at the 2010 Census, and the Census Bureau’s July 2024 estimate is 8,738. That is growth of roughly 49% since 2000.
Older NOAA hail logs add more history: the Storm Prediction Center lists 16 hail reports within 5 miles of Floresville between 1955 and 2015, topped by hail of 2.75 inches on March 11, 1986. 2 of those reports were 2 inches or larger. Federal tornado records from NOAA’s Storm Prediction Center list 6 tornadoes that began within 10 miles of Floresville from 1950 through 2015, the strongest an EF2 on October 30, 2015.
Shopping around the area? See our home insurance pages for Saint Hedwig (19 mi), Pleasanton (24 mi), and Nixon (26 mi).
ZIP codes we cover near Floresville
78114
