Freedom Insurance Group helps Highland Park households compare homeowners coverage without the hassle. Call (800) 253-1482 or request a quote online.
Homeowners insurance rates in Highland Park, TX
| Scenario | Market estimate | FIG illustrated (39% less) |
|---|---|---|
| Typical Highland Park home (~$1,989,900) | $3,822/yr | $2,331/yr |
| $300,000 dwelling | $1,917/yr | $1,169/yr |
| $600,000 dwelling | $2,697/yr | $1,645/yr |
| $1,000,000 dwelling | $3,510/yr | $2,141/yr |
The typical homeowners insurance premium in Highland Park, TX is about $3,822 annually for a typical local home (typical local home value about $1,989,900). 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 39% lower — near $2,331 per year for a typical home, roughly $1,169 for a $300,000 home, about $1,645 for a $600,000 home, and around $2,141 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 Highland Park dwelling curve (typical local home value about $1,989,900). Illustrated estimates, not a quote.
Figures are 2026 market-style estimates for Highland Park, TX, using a typical local home value of about $1,989,900. Freedom figures apply an approximate 39% savings vs the local typical premium for illustration. Your quote depends on dwelling limit, roof, deductible, claims, and carrier. Not a guarantee.
What moves home insurance rates in Highland Park
Highland Park homeowners are priced on several related factors that underwriters check when they build a quote. The heaviest factors are typically rebuild cost, the roof’s age and material, and exposure to storms or wildfire; deductible choice and claims history can change the final premium as much as the company you choose.
Consider replacement cost as the price of rebuilding your home with comparable materials at today’s labor and material prices. What the insurer might pay tracks the rebuild estimate, so bigger estimates on Highland Park homes tend to mean a higher price.
Construction type and roof details also move the price: underwriters check frame versus masonry construction, what covers the roof, and how solidly the home is built, because these factors shape performance in wind, hail, and fire events common across Texas.
Scores for storms, hail, wildfire, and crime feed into location risk, which can change by ZIP code and neighborhood in Highland Park, meaning homes with similar rebuild costs can still get different prices.
A strong fire protection profile that reflects close hydrants, a nearby station, and a good protection class tends to make the premium lower.
Carriers check claims history on every quote; fresh claims on the property or household can push Highland Park renewals and new quotes higher.
Many insurers look at a credit-based insurance score where permitted; higher scores generally bring lower prices.
Getting to know Highland Park, TX
Highland Park counts roughly 9,189 residents in Texas.
Highland Park lies within Texas, where everyday insurance shopping is driven more by the features of each home and carrier appetite than by any single landmark.
Local housing is largely single-family homes typical of Texas, and replacement cost, roof age, and construction type still drive most premium differences from street to street.
Homes in North Texas are often rated for severe thunderstorms, hail, and tornado risk typical of the Plains.
Discounts for Highland Park, 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 chooses its own discounts and amounts. Treat “up to” as the ceiling, not a guarantee.
How a homeowners policy is built
- Dwelling (A): When a covered loss hits, this limit rebuilds the structure; make sure it tracks today’s local rebuild costs.
- Coverage B, other structures: This handles anything detached from the main house, such as a garage, shed, or fence.
- Coverage C, personal property: Pays for belongings in the home: furniture, clothing, and everyday items. Valuables like jewelry may have special limits.
- Loss of use (Coverage D): It can help pay additional living expenses when a covered claim makes the home uninhabitable for a time during repairs.
- Coverage E, personal liability: Protection when the law holds you responsible for another person’s injury or property damage from a covered incident.
- Medical payments (F): If a visitor is injured at your home, this can pay medical bills, usually without a liability claim being filed.
Home-and-auto bundles in Highland Park, TX
Illustrative average bundling savings, not a quote. Actual savings depend on carriers and drivers.
| Place | 1-car bundle | 2-car bundle | 3-car bundle |
|---|---|---|---|
| Highland Park, Texas | $258 | $436 | $636 |
Neighborhoods in Highland Park
- Knox
- Lower Greenville
- Lowest Greenville
- Alto Highland Park Brownstones
- Nove at Knox
- Monticello Crossroads Condiminiums
- Vue Fitzhugh
- Fitzhugh Urban Flats
- Valencia
- CityPlace Heights
- Gentry on M Streets
- Camden Belmont
- STRATA
- The Southwestern
- Inwood on the Park
- The Collection
Highland Park homes by the numbers
ACS 2020–2024 estimates put about 3,667 housing units in Highland Park, and homeowners occupy about 89% of the occupied homes. By structure type, 81% are detached single-family houses and 14% are in buildings with two or more units.
Occupied homes in Highland Park are heated mostly with utility gas (62%) and electricity (36%).
Tornado history matters here as well: NOAA logged 7 tornadoes touching down within 10 miles of Highland Park in 2016–2025, the strongest rated EF3 during October 2019.
Half of Highland Park’s homes were built in or before 1977. About 51% of homes predate 1980, so wiring, plumbing, and roof updates often come up in underwriting.
From 2000 on, Dallas County has appeared in 8 major disaster declarations; the most recent was Severe Storms, Straight-Line Winds, Tornadoes, and Flooding (May 2024).
FEMA’s National Risk Index flags hail (“Very High”), tornado (“Very High”), winter-weather (“Very High”), and strong-wind (“Very High”) in Dallas County.
NOAA’s Storm Events Database lists 17 hail reports within about 5 miles of Highland Park from 2016 through 2025 (12 at one inch or more). The largest measured 1.75 inches in May 2024 around Eagle Ford.
Highland Park’s population went from 8,842 at the 2000 Census to 8,564 at the 2010 Census, and the Census Bureau’s July 2024 estimate is 8,762. Numbers have held fairly steady since 2000.
Older NOAA hail logs add more history: NOAA’s Storm Prediction Center counts 131 hail reports within 5 miles of Highland Park between 1955 and 2015, the largest 2.75 inches on April 19, 1982. 14 of those reports were 2 inches or larger. The NOAA Storm Prediction Center database shows 25 tornadoes that began within 10 miles of Highland Park from 1950 through 2015, the strongest an F3 on April 2, 1957. NOAA ties that tornado to 10 deaths and 200 injuries.
Looking at neighboring communities? See our home insurance pages for University Park (1 mi), Dallas (3 mi), and Farmers Branch (8 mi).
ZIP codes we serve in and around Highland Park
75205
See more Texas insurance resources
Shop homeowners coverage for Highland Park, TX
Highland Park residents get a comparison of 25+ carriers with Freedom Insurance Group. Call (800) 253-1482 or begin a free home quote online.
