Side-by-side homeowners quotes from 25+ companies for Hurst, TX, from Freedom Insurance Group.
What makes Hurst, TX stand out
Around 39,016 people live in Hurst in Tarrant County.
Hurst is located in the Tarrant County area, where day-to-day insurance shopping is shaped more by the features of each home and carrier appetite than by any single landmark.
Housing here is a mix of single-family homes typical of the Tarrant County area, and replacement cost, roof age, and construction type still explain most premium differences from street to street.
Carriers rating North Texas homes usually account for severe thunderstorms, hail, and tornado risk typical of the Plains.
Home insurance pricing in Hurst, TX
The typical homeowners insurance premium in Hurst, TX is about $1,956 annually for a typical local home (typical local home value about $315,200). 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 40% lower — near $1,174 per year for a typical home, roughly $1,150 for a $300,000 home, about $1,618 for a $600,000 home, and around $2,106 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 Hurst dwelling curve (typical local home value about $315,200). Illustrated estimates, not a quote.
Figures are 2026 market-style estimates for Hurst, TX, using a typical local home value of about $315,200. 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.
Homeowners policy coverages, A through F
- Dwelling (A): This is the limit that pays to rebuild the structure of your home after a covered loss, and it should match what rebuilding costs locally right now.
- Coverage B, other structures: Detached garages, sheds, fences, and similar buildings separate from the main house fall here.
- Personal property (Coverage C): Furniture, clothing, and the other things you own inside the house are protected, but some higher-value categories carry special sublimits.
- Loss of use (Coverage D): This coverage can help with additional living expenses when a covered claim makes the home uninhabitable for a time during repairs.
- Personal liability (Coverage E): This coverage responds when you are legally responsible for injuring someone or damaging their property arising from a covered incident.
- Medical payments (F): If a visitor is injured at your home, this covers medical costs, usually without a liability claim being filed.
Common discounts for Hurst, 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% |
Carriers do not all offer the same discounts, and the amounts vary. “Up to” shows the maximum, not a guarantee.
Home insurance price factors in Hurst
Carriers price a Hurst home quote from several interlocking factors. Expect rebuild cost, the roof’s age and type, and local storm or wildfire exposure to move the number most. The deductible you pick and your claims record may move the final premium as much as choosing one carrier over another.
Define replacement cost as what rebuilding would cost your home using similar materials at current labor and supply costs. Bigger rebuild figures for Hurst properties usually push up premiums because the carrier’s maximum payout increases with that figure.
Whether walls are frame or masonry, the roof covering, and general construction quality all influence how the home holds up in Texas’s wind, hail, and fire events, so construction type and roof details count.
Location risk rolls up storm, hail, wildfire, and crime scores that can differ by ZIP code and neighborhood within Hurst, so two homes with similar rebuild costs may still price differently.
Fire protection counts as well: a hydrant close by, a close fire station, and a good protection class rating may all help the premium.
Claims history is still a major rating input: recent claims on the property or household frequently raise rates for Hurst renewals and new business quotes too.
In states that allow it, insurers may apply a credit-based insurance score, and a stronger score generally leads to lower premiums.
Hurst, TX bundling home and auto
Average bundle savings, illustrated, not a quote. Actual savings depend on the carrier and the drivers.
| Place | 1-car bundle | 2-car bundle | 3-car bundle |
|---|---|---|---|
| Hurst, Texas | $258 | $436 | $636 |
Areas of Hurst
- The Villas on Calloway Creek
- The Arts at Park Place
- Mockingbird Estates
Local housing and storm data: Hurst
Hurst’s median year built is 1975. Roughly 60% of homes predate 1980, so system and roof updates are worth documenting for a quote.
NOAA’s Storm Events Database lists 63 hail reports within about 5 miles of Hurst from 2016 through 2025; 56 were one inch or bigger. Top size was 2.75 inches in May 2024 near Bedford.
The Census Bureau’s 2020–2024 American Community Survey counts about 16,790 housing units in Hurst, and owner-occupants live in close to 58% of the occupied homes. Of all units, 63% are detached single-family houses and 33% are in buildings with two or more units.
Since 2000, Tarrant County has appeared in 8 major disaster declarations; the latest was Severe Winter Storms (February 2021).
On tornadoes, NOAA lists 9 tornadoes starting within 10 miles of Hurst in 2016–2025, the strongest rated EF1 during June 2019.
In FEMA’s National Risk Index, Tarrant County rates above the low end for hail (“Very High”), tornado (“Very High”), wildfire (“Relatively Moderate”), and winter-weather (“Very High”).
Occupied homes in Hurst are heated mostly with electricity (58%) and utility gas (41%).
Census counts put Hurst at 36,273 residents in 2000 and 37,337 in 2010, and the Census Bureau’s July 2024 estimate is 39,500. The population has stayed fairly steady since 2000.
Going further back, the Storm Prediction Center lists 58 hail reports within 5 miles of Hurst between 1955 and 2015; the biggest stones, 3.5 inches, fell on May 1, 2003. Reports of 2-inch or bigger hail number 6 in that span. The NOAA Storm Prediction Center database shows 36 tornadoes that began within 10 miles of Hurst from 1950 through 2015, the strongest an F3 on March 28, 2000.
Looking at neighboring communities? We also have home insurance pages for Bedford (3 mi), North Richland Hills (3 mi), and Colleyville (4 mi).
Where we write coverage around Hurst
76022 · 76053 · 76054 · 76180
