Compare more wisely in Joshua with an independent agency that compares carriers and explains the tradeoffs before you buy.
Joshua, TX: local context
Joshua is home to about 6,066 residents and sits in Johnson County.
Joshua sits in the Johnson County area, and there routine insurance shopping is driven more by home characteristics and carrier appetite than by any single landmark.
Most homes are single-family properties typical of the Johnson County area; rebuild cost, roof age, and construction still explain most premium differences block by block.
Carriers rating North Texas homes usually account for severe thunderstorms, hail, and tornado risk typical of the Plains.
Average home insurance cost in Joshua
The typical homeowners insurance premium in Joshua, TX is about $1,716 annually for a typical local home (typical local home value about $338,100). 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 39% lower — near $1,047 per year for a typical home, roughly $996 for a $300,000 home, about $1,402 for a $600,000 home, and around $1,824 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 Joshua dwelling curve (typical local home value about $338,100). Illustrated estimates, not a quote.
Figures are 2026 market-style estimates for Joshua, TX, using a typical local home value of about $338,100. 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.
The six parts of a home policy
- Coverage A, dwelling: It 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: Coverage for anything detached from the main house, for example a shed, fence, or garage.
- Personal property (Coverage C): It protects furniture, clothing, and everyday belongings inside the home, with special limits that can apply to higher-value categories.
- Loss of use (D): Added costs of living elsewhere while the home is being repaired after a covered claim forces you out.
- Personal liability (Coverage E): When you are found legally liable for bodily injury or property damage to others from a covered event, this part responds.
- Coverage F, medical payments: Medical costs for a guest hurt at your home, frequently covered without a formal liability claim.
Ways to cut the premium in Joshua, 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% |
Each company sets its own discounts and amounts. Read “up to” as the maximum, not what everyone gets.
Home insurance price factors in Joshua
Carriers put together a Joshua homeowners quote from several interlocking factors that work together. Count on rebuild cost, the roof’s age and type, and storm and wildfire exposure to move the number most. The deductible you pick and your claims record can swing the final premium as much as choosing one carrier over another.
Replacement cost comes down to a simple question: how much would it take to rebuild the house right now, with similar materials, at today’s prices for labor and materials? Since the carrier’s largest possible payout rises with the rebuild estimate, higher estimates for Joshua houses generally raise premiums.
Construction type and roof details matter as well: carriers want to know whether walls are frame or masonry, the roof covering, and how solidly the home is built, because these factors decide how it fares in the wind, hail, and fire seen across Texas.
Scores for storms, hail, wildfire, and crime feed into location risk, which can change by ZIP code and neighborhood in Joshua, meaning houses with comparable rebuild costs may still price differently.
Insurers rate fire protection by the local protection class and how far away hydrants and stations are; good protection often brings a better rate.
Carriers check claims history carefully; a recent loss tied to the home or the people in it often push the price up whether the Joshua policy is new or renewing.
Credit-based insurance score, where permitted by state rules, is one more factor; better scores generally line up with lower prices when the carrier relies on it.
Neighborhoods around Joshua
- Mockingbird Hills
- Heritage II
- Bluebird Meadows
- Oak Trail Estates
- Oak Knoll
- Village Creek
- Cooper Valley
- Orchard Grove Estates
- Joshua Meadows
- Caddo Acres
- Mountain Valley Lake Estates
What public data says about Joshua homes
Home heating in Joshua runs mainly on electricity (82%) and utility gas (16%).
Joshua’s median year built is 1997. About 32% of homes were built in 2010 or later, so discounts for newer construction are often in play.
On tornadoes, NOAA recorded 4 tornadoes touching down within 10 miles of Joshua in 2016–2025, the most intense an EF2 during April 2022.
The NOAA Storm Events Database logged 15 hail reports within about 5 miles of Joshua from 2016 through 2025, 11 of them one inch or larger. The largest measured 2.75 inches in May 2025 near Joshua.
Since 2000, Johnson County has been part of 5 major disaster declarations; the most recent is Severe Winter Storms (February 2021).
Census survey estimates (ACS 2020–2024) show about 3,448 housing units in Joshua, and homeowners occupy about 63% of the occupied homes. Looking at building types, 69% are detached single-family houses, 23% are in buildings with two or more units, and 6.9% are mobile homes.
The National Risk Index from FEMA shows elevated ratings for hail (“Relatively Moderate”), tornado (“Relatively High”), wildfire (“Relatively Moderate”), and strong-wind (“Relatively Moderate”) in Johnson County.
Joshua’s recorded beginnings date to 1881. Joshua’s population went from 4,528 at the 2000 Census to 5,910 at the 2010 Census, and the Census Bureau’s July 2024 estimate is 9,146. That works out to about 102% more residents than in 2000.
Earlier hail records help too: the Storm Prediction Center lists 26 hail reports within 5 miles of Joshua between 1955 and 2015; the biggest stones, 2.75 inches, fell on April 24, 1978. Reports of 2-inch or bigger hail number 4 in that span. Federal tornado records from NOAA’s Storm Prediction Center list 56 tornadoes that began within 10 miles of Joshua from 1950 through 2015, the strongest an F3 on April 23, 1973.
Comparing homes in nearby towns? See our home insurance pages for Burleson (5 mi), Cleburne (7 mi), and Crowley (8 mi).
ZIP codes we insure in and around Joshua
76058
Joshua, TX bundling home and auto
Illustrated average bundle savings, not a quote. Actual savings vary with the carriers and drivers involved.
| Place | 1-car bundle | 2-car bundle | 3-car bundle |
|---|---|---|---|
| Joshua, Texas | $258 | $436 | $636 |
See more Texas insurance resources
Price homeowners coverage for Joshua, TX
Joshua residents get a comparison of 25+ carriers through Freedom Insurance Group. Call (800) 253-1482 or request a home quote online.
