A practical look at homeowners coverage for Highland Village: local context, cost drivers, and how to compare quotes without guesswork.
About Highland Village, TX
Highland Village has about 16,149 residents within Texas.
Highland Village sits in Texas, where everyday insurance shopping is driven more by the features of each home and carrier appetite than by any single landmark.
Homes are mostly single-family houses like those across Texas; rebuild cost, roof age, and construction still explain most premium differences block by block.
Carriers rating North Texas homes often price in severe thunderstorms, hail, and tornado risk typical of the Plains.
What homeowners pay for home insurance in Highland Village
The typical homeowners insurance premium in Highland Village, TX is about $2,438 annually for a typical local home (typical local home value about $493,400). 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 $1,512 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 Highland Village dwelling curve (typical local home value about $493,400). Illustrated estimates, not a quote.
Figures are 2026 market-style estimates for Highland Village, TX, using a typical local home value of about $493,400. 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 shapes home insurance costs in Highland Village
Highland Village homeowners are priced on several related factors that underwriters weigh when they build a quote. The heaviest factors are typically rebuild cost, roof age and material, and local storm or wildfire exposure; deductible choice and claims history can change the final premium as much as which carrier you pick.
Replacement cost is what it would take to rebuild the home with like-kind materials at today’s prices for labor and supplies. The carrier’s exposure tracks the rebuild estimate, which is why larger Highland Village rebuild numbers generally mean higher premiums.
Construction type and roof details count as well: frame versus masonry walls, roof covering, and overall build quality shape how a property holds up in the wind, hail, and fire events common across Texas.
Location risk captures storm, hail, wildfire, and crime scores that can differ by ZIP code and neighborhood within Highland Village, so two homes with similar rebuild costs can still get different prices.
Fire protection looks at hydrant and fire-station distance plus local protection class, and stronger protection profiles may earn lower premiums.
Claims history is a heavy factor: for Highland Village homes, claims in the last few years often means higher rates on both renewals and fresh quotes.
In states that allow it, companies can use a credit-based insurance score, and a better score generally leads to a lower price.
Home insurance coverage basics
- Coverage A, dwelling: The limit that rebuilds the house after a covered loss. Set it to follow local rebuilding prices.
- Coverage B, other structures: Detached garages, sheds, fences, and similar buildings not attached to the home fall here.
- Coverage C, personal property: It protects furniture, clothing, and everyday belongings inside the home, with special limits that may apply to higher-value categories.
- Coverage D, loss of use: Temporary housing and related costs while the home is being repaired after a covered claim leaves it uninhabitable.
- Coverage E, personal liability: Should you be held legally responsible for injuring another person or damaging their things in a covered incident, this coverage steps in.
- Coverage F, medical payments: Visitors’ medical expenses after an injury on your property, often paid without a liability claim.
Homeowners discounts in Highland Village, 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% |
Which discounts apply and how much they are worth differ from carrier to carrier. Treat “up to” as the ceiling, not what everyone gets.
Highland Village neighborhoods
- Highland Shores 10-L
- Highland Shores 4-L
- Highland Shores 5-L
- Highland Shores 15-L
- Highland Shores 7-C West
- Highland Shores 7-C East
- Highland Shores 7-L
- Highland Shores 8-L
- Highland Shores 8-E
- Highland Shores 2-A
- Highland Shores 11-L
- Highland Shores 2-B
- Highland Shores Phase I
- Highland Shores 4-P
- Highland Shores 12-L
- Clearwater A
- Highland Shores 3-B
- Highland Shores 6-P
- Clearwater B
- Highland Shores 14L-2
Housing and weather facts for Highland Village
FEMA’s National Risk Index flags hail (“Very High”), tornado (“Very High”), wildfire (“Relatively Moderate”), and winter-weather (“Relatively High”) in Denton County.
The USGS GNIS lists these named communities and subdivisions in and around Highland Village: Hidden Hill and Harbor Grove. Rates can still differ from one section to the next because of roof age, construction, and fire-station distance.
Occupied homes in Highland Village are heated mostly with utility gas (74%) and electricity (25%).
The Census Bureau’s 2020–2024 American Community Survey counts about 5,680 housing units in Highland Village, and owners occupy about 92% of the occupied homes. By structure type, 96% are detached single-family houses.
Tornadoes are part of the picture too: NOAA recorded 2 tornadoes touching down within 10 miles of Highland Village over 2016–2025, with the strongest at EF1 during December 2022.
Since 2000, Denton County has appeared in 8 major disaster declarations; the most recent is Severe Storms, Straight-Line Winds, Tornadoes, and Flooding (May 2024).
The NOAA Storm Events Database logged 66 hail reports within about 5 miles of Highland Village from 2016 through 2025, 54 of them one inch or larger. Top size was 4.25 inches in June 2023 near Bartonville.
Highland Village’s median year built is 1993. The stock is mixed: 19% predate 1980 and 12% went up in 2010 or later.
The Census Bureau counted 12,173 people in Highland Village at the 2000 Census and 15,056 at the 2010 Census; its July 2024 estimate is 16,137. Growth since 2000 comes to roughly 33%.
Going further back, NOAA’s Storm Prediction Center counts 77 hail reports within 5 miles of Highland Village between 1955 and 2015, topped by hail of 4.5 inches on October 21, 1996. Reports of 2-inch or bigger hail number 4 in that span. NOAA Storm Prediction Center records list 22 tornadoes that began within 10 miles of Highland Village from 1950 through 2015, the strongest an F2 on August 21, 1960.
Comparing homes in nearby towns? Nearby home insurance pages: Hickory Creek (2 mi), Corinth (4 mi), and Flower Mound (5 mi).
ZIP codes we cover near Highland Village
75077 · 76226
Bundling home and auto in Highland Village, TX
Illustrated average bundle savings, not a quote. Actual savings come down to the carriers and drivers involved.
| Place | 1-car bundle | 2-car bundle | 3-car bundle |
|---|---|---|---|
| Highland Village, Texas | $258 | $436 | $636 |
Ways to save on home insurance in Highland Village
- Compare multiple carriers, since risk appetite varies.
- Bundle home and auto when it truly lowers the package price.
- Raise deductibles only if you can absorb the out-of-pocket hit.
- Ask about roof, alarm, and claims-free credits that suit your home.
Browse Texas insurance resources
Highland Village, TX home insurance quotes
Freedom Insurance Group compares 25+ carriers on behalf of Highland Village residents. Call (800) 253-1482 or request a home quote online.
