For Heath residents: independent agents comparing homeowners quotes from 25+ carriers.
Home insurance prices in Heath
The typical homeowners insurance premium in Heath, TX is about $2,547 annually for a typical local home (typical local home value about $766,900). 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 40% lower — near $1,528 per year for a typical home, roughly $980 for a $300,000 home, about $1,379 for a $600,000 home, and around $1,794 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 Heath dwelling curve (typical local home value about $766,900). Illustrated estimates, not a quote.
Figures are 2026 market-style estimates for Heath, TX, using a typical local home value of about $766,900. 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.
Getting to know Heath, TX
Heath has roughly 8,211 residents in Texas.
Heath is located in Texas, and there routine insurance shopping is driven more by the features of each home and carrier appetite than by any single landmark.
Housing here is largely single-family homes typical of Texas, but replacement cost, roof age, and construction type still drive most premium differences from street to street.
Insurers in North Texas commonly factor in severe thunderstorms, hail, and tornado risk typical of the Plains.
Homeowners coverage basics
After a covered loss, this limit rebuilds the house itself; make sure it tracks current local reconstruction costs.
This portion applies to detached features such as a garage, shed, fence, or similar buildings that sit apart from the main house.
Your furniture, clothes, and everyday belongings inside the house are covered here, but special limits can cap higher-value categories.
This helps with additional living expenses when a covered claim makes the home unlivable for a while during repairs.
This coverage responds when you are legally responsible for injuring someone or damaging their property resulting from a covered incident.
This helps with guest medical bills for injuries that happen on your property, often without requiring a formal liability claim.
Savings opportunities for Heath, 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% |
Every insurer decides which discounts it offers and how large they are. Treat “up to” as the top end, not a promise.
How Heath home insurance prices vary
A Heath home insurance price rests on a set of related inputs that carriers check as a group. Expect rebuild cost, the roof’s age and type, and local storm or wildfire exposure to matter most. Deductible choice and claims history may move the final price about as much as choosing one carrier over another.
Define replacement cost as what rebuilding would cost the house using similar materials at present-day prices. A bigger rebuild figure on a Heath home, premiums generally go up, as the carrier’s maximum payout grows.
Construction type and roof details also matter: frame versus masonry walls, roofing material, and overall build quality shape how a property holds up in wind, hail, and fire scenarios that are common across Texas.
Location risk reflects storm, hail, wildfire, and crime scores that can vary by ZIP code and neighborhood within Heath, so two homes with similar rebuild costs might still quote differently.
A solid fire protection profile built on the protection class and nearby hydrants and stations tends to make the premium lower.
A recent claim on the house or by anyone in the household can raise the price on Heath renewals and new quotes alike, since claims history still weighs heavily.
Credit-based insurance score, where state rules allow it, is one more factor; better scores generally line up with lower prices when the carrier relies on it.
Bundling home and auto in Heath, TX
These show average bundling savings, not a promise. Actual savings vary with carriers and drivers.
| Place | 1-car bundle | 2-car bundle | 3-car bundle |
|---|---|---|---|
| Heath, Texas | $258 | $436 | $636 |
Areas of Heath
- Las Lomas
- Crestridge Meadows
- Ellis Addition
- Madisen-Parker Addition
- Heath Crossing
- L. Hall Addition
- The Renaissance
- Hilltop Estates
- Ridge Lakes
- The Estates at Rabbit Ridge
- The Ten
- Cobblestone Farms
- Rainbow Lake Estates
- Cutter Hill
- Chandlers Landing
- Rockwall Lake Estates
- Heath Golf & Yacht Club
- Orleans on the Lake
- Signal Ridge
- Windmill Ridge Estates
Local housing and storm data: Heath
The median home in Heath was built in 2003. Roughly 30% of homes went up in 2010 or later, and new-home and newer-roof credits come up often.
In FEMA’s National Risk Index, Rockwall County rates above the low end for hail (“Relatively Moderate”), tornado (“Relatively High”), and strong-wind (“Relatively Moderate”).
ACS 2020–2024 estimates put about 3,619 housing units in Heath, and owner-occupants live in close to 98% of the occupied homes. Of all units, 97% are detached single-family houses.
From 2000 on, Rockwall County has been part of 6 major disaster declarations; the latest is Severe Storms, Straight-Line Winds, Tornadoes, and Flooding (May 2024).
For heat, Heath households mostly rely on utility gas (58%), electricity (36%), and propane or other bottled gas (5.9%). Wood stoves and propane tanks are items underwriters ask about, because carriers treat them differently.
Tornadoes are part of the picture too: NOAA recorded 5 tornadoes starting within 10 miles of Heath between 2016 and 2025, the strongest rated EF1 during March 2022.
NOAA’s Storm Events Database lists 16 hail reports within about 5 miles of Heath from 2016 through 2025 (14 at one inch or more). Top size was 4 inches in April 2016.
The Census Bureau counted 4,149 people in Heath at the 2000 Census and 6,921 at the 2010 Census; its July 2024 estimate is 11,499. That works out to about 177% more residents than in 2000.
Going further back, the Storm Prediction Center lists 17 hail reports within 5 miles of Heath between 1955 and 2015, topped by hail of 3.5 inches on April 3, 2012. 3 of those reports were 2 inches or larger. Federal tornado records from NOAA’s Storm Prediction Center list 21 tornadoes that began within 10 miles of Heath from 1950 through 2015; the most powerful, rated EF4, touched down on December 26, 2015. Along its full path, that storm was blamed for 10 deaths and 468 injuries.
Comparing homes in nearby towns? Nearby home insurance pages: Rockwall (5 mi), Rowlett (7 mi), and Sunnyvale (7 mi).
ZIP codes we serve in and around Heath
75032
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Price homeowners coverage for Heath, TX
In Heath, Freedom Insurance Group compares 25+ carriers. Start a free home quote online or call (800) 253-1482.
