Independent agents comparing homeowners quotes from 25+ carriers for Freeport residents.
Home insurance prices in Freeport
The typical homeowners insurance premium in Freeport, TX is about $1,970 annually for a typical local home (typical local home value about $260,000). For a $300,000 dwelling, expect around $2,201 per year; for a $600,000 home about $3,097; and for a $1,000,000 dwelling about $4,030. Freedom Insurance Group rates are often about 37% lower — near $1,241 per year for a typical home, roughly $1,387 for a $300,000 home, about $1,951 for a $600,000 home, and around $2,539 for a $1,000,000 home.
| Dwelling Coverage Limits | Average Annual Premium (incl. Windstorm & Hail Coverage) |
|---|---|
| $100,000 – $200,000 | $1,711 |
| $200,000 – $300,000 | $1,913 |
| $300,000 – $400,000 | $2,348 |
| $400,000 – $500,000 | $2,658 |
| $500,000 – $600,000 | $2,959 |
| $600,000 – $700,000 | $3,195 |
| $700,000 – $800,000 | $3,390 |
| $800,000 – $900,000 | $3,646 |
| $900,000 – $1,000,000 | $3,901 |
Band premiums are midpoints on the Freeport dwelling curve (typical local home value about $260,000). Illustrated estimates, not a quote.
Figures are 2026 market-style estimates for Freeport, TX, using a typical local home value of about $260,000. 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.
Freeport, TX: local context
Freeport has around 12,154 residents in Brazoria County.
Freeport sits in the Brazoria County area, where routine 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 the Brazoria County area, and replacement cost, roof age, and construction type still drive most premium differences from street to street.
Gulf wind and hurricane exposure, plus occasional flooding, are major rating factors along the Texas coast.
What a standard home policy includes
This limit pays to rebuild the house itself after a covered loss, and it should track current reconstruction costs in your area.
It covers detached features such as a garage, shed, fence, or similar buildings that stand separate from the main house.
It protects furniture, clothing, and everyday belongings inside the home, with special limits that may apply to higher-value categories.
When repairs after a covered claim make the house unlivable, this coverage helps with additional living expenses.
This applies when you are legally responsible for injuring someone or damaging their property resulting from a covered incident.
When a guest gets hurt on your property, this covers medical costs, frequently with no formal liability claim.
Discounts for Freeport, 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% |
Discounts and their size vary by carrier. “Up to” marks the top of the range, not a promise.
What moves home insurance rates in Freeport
Several factors determine what Freeport homeowners pay, and carriers review them together when they build a quote. The deductible you choose and your claims history can change the final price as much as the carrier brand itself, but rebuild cost, the roof’s age and material, and local storm or wildfire risk typically matter most.
Putting the house back with similar materials at current labor and material costs sets what replacement cost captures. Higher rebuild estimates for Freeport properties tend to raise premiums since the carrier’s maximum payout increases with that figure.
Construction type and roof details round out the list: underwriters check frame versus masonry construction, the roof covering, and how solidly the home is built, since those details affect how it fares in the wind, hail, and fire seen across Texas.
Scores for storms, hail, wildfire, and crime feed into location risk, and they can shift by ZIP code and neighborhood in Freeport, so homes with similar rebuild costs may still price differently.
A solid fire protection score built on close hydrants, a nearby station, and a good protection class often makes pricing more competitive.
Recent claims tied to the home or the household may lift premiums for Freeport renewals as well as new policies, because claims history still weighs heavily.
Credit-based insurance score, where state rules allow it, is another lever; better scores generally line up with lower premiums when the carrier uses that factor.
Freeport, TX home & auto bundle savings
These show average bundling savings, not a quote. Actual savings vary with the carriers and drivers involved.
| Place | 1-car bundle | 2-car bundle | 3-car bundle |
|---|---|---|---|
| Freeport, Texas | $258 | $436 | $636 |
Freeport homes by the numbers
Since 2000, Brazoria County has been part of 14 major disaster declarations; the most recent was Hurricane Beryl (July 2024).
FEMA’s National Risk Index flags tornado (“Relatively High”), strong-wind (“Relatively Moderate”), and hurricane (“Relatively High”) in Brazoria County.
ACS 2020–2024 estimates put about 5,078 housing units in Freeport, and owners occupy roughly 59% of the occupied homes. Looking at building types, 72% are detached single-family houses and 23% are in buildings with two or more units.
For heat, Freeport households mostly rely on electricity (52%) and utility gas (46%).
On tornadoes, NOAA lists 1 tornado starting within 10 miles of Freeport between 2016 and 2025, with the strongest at EF0 during August 2017.
Named communities and subdivisions in USGS place-name records near Freeport include Velasco, Midway, and Brazosport. Older and newer sections can quote differently because of construction era and roof condition.
NOAA lists no hail reports plotted within about 6 miles of Freeport for 2016–2025, though Brazoria County recorded 16 hail reports countywide, with the largest at 1.75 inches.
The median home in Freeport was built in 1969. Roughly 69% of homes predate 1980, which means system and roof updates can change eligibility and price.
Local history records show Freeport was incorporated on February 10, 1917. The Census Bureau counted 12,708 people in Freeport at the 2000 Census and 12,049 at the 2010 Census; its July 2024 estimate is 10,635. The town has about 16% fewer people than in 2000.
Going further back, SPC data show 7 hail reports within 5 miles of Freeport between 1955 and 2015, the largest 1.75 inches on March 28, 1989. NOAA Storm Prediction Center records list 16 tornadoes that began within 10 miles of Freeport from 1950 through 2015, the strongest an F1 on July 15, 1983.
Comparing homes in nearby towns? We also have home insurance pages for Clute (6 mi), Jones Creek (7 mi), and Lake Jackson (9 mi).
ZIP codes we cover in and around Freeport
77541 · 77542
Keep exploring Texas coverage options
Price homeowners coverage in Freeport, TX
Freeport homeowners get a comparison of 25+ carriers with Freedom Insurance Group. Next step: start a free home quote on our site or dial (800) 253-1482.
