For Mansfield residents: independent agents comparing homeowners quotes from 25+ carriers.
What home insurance costs in Mansfield
The typical homeowners insurance premium in Mansfield, TX is about $2,203 annually for a typical local home (typical local home value about $410,700). 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 37% lower — near $1,388 per year for a typical home, roughly $1,208 for a $300,000 home, about $1,699 for a $600,000 home, and around $2,211 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 Mansfield dwelling curve (typical local home value about $410,700). Illustrated estimates, not a quote.
Figures are 2026 market-style estimates for Mansfield, TX, using a typical local home value of about $410,700. Freedom figures apply an approximate 37% savings vs the local typical premium for illustration. Your quote depends on dwelling limit, roof, deductible, claims, and carrier. Not a guarantee.
A closer look at Mansfield, TX
Roughly 64,274 people live in Mansfield, located in Tarrant County, within the Dallas–Fort Worth metroplex.
Mansfield is located in the Dallas–Fort Worth metroplex, where routine insurance shopping is shaped more by home characteristics and carrier appetite than by any single landmark.
Housing here is largely single-family homes typical of the Dallas–Fort Worth metroplex, and replacement cost, roof age, and construction type still explain most premium differences from street to street.
North Texas homes are often rated for severe thunderstorms, hail, and tornado risk typical of the Plains.
Homeowners coverage basics
It pays to rebuild the house itself after a covered loss, and it should keep pace with current reconstruction costs in your area.
Sheds, fences, detached garages, and the like separate from the main house fall here.
This covers furniture, clothing, and everyday belongings inside the home, with special limits that can apply to higher-value categories.
If a covered claim forces you out during repairs, it can cover additional living expenses.
This applies when you are legally responsible for bodily injury or property damage to others arising from a covered incident.
For guests injured on your property, it helps with their medical bills, usually without a liability claim being filed.
Discounts for Mansfield, 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% |
Which discounts apply and how much they are worth vary by carrier. Read “up to” as the top end, not a guarantee.
What shapes home insurance prices in Mansfield
Several factors determine a Mansfield home premium, and carriers look at all of them before quoting. Rebuild cost, roof age and material, and local storm or wildfire exposure have the biggest effect, while deductible choice and claims history can swing the final premium as much as the carrier brand itself.
Replacement cost comes down to a simple question: what would it cost to rebuild this home today, with similar materials, at current labor and supply prices? Bigger rebuild figures for Mansfield properties usually push up premiums since the carrier’s maximum payout grows with that figure.
Construction type and roof details round out the list: underwriters check frame versus masonry construction, what covers the roof, and the overall build quality, since these factors affect performance in the wind, hail, and fire seen across Texas.
Similar Mansfield houses with close rebuild estimates might not cost the same due to location risk: scores for storms, hail, wildfire, and crime that change by ZIP code and neighborhood.
Underwriters score fire protection using protection class and the distance to hydrants and stations; better protection usually means a more competitive price.
Claims history stays a major rating input: recent claims on the property or household often increase rates for Mansfield renewals and new business quotes too.
If state law permits, insurers may apply a credit-based insurance score, and a higher score generally leads to lower premiums.
Mansfield, TX home & auto bundle savings
The figures below illustrate average bundle savings, not a promise. Actual savings come down to the carrier and the drivers.
| Place | 1-car bundle | 2-car bundle | 3-car bundle |
|---|---|---|---|
| Mansfield, Texas | $258 | $436 | $636 |
Neighborhoods around Mansfield
- Twin Creeks
- Harris Crossing
- Southwind
- Harris Ridge
- Somerset
- Callender Hill
- Villages of Park Hill
- Walnut Creek North
- Meadowside
- Forest Brook
- Triple Diamond Ranch
- Mitchell Farms
- Rustic Meadow
- Haven
What public data says about Mansfield homes
Named places the USGS records in and around Mansfield include Watsonville and Britton. Each area can price differently because of roof age, construction, and fire-station distance.
NOAA storm records show 59 hail reports within about 7 miles of Mansfield from 2016 through 2025, 48 of them one inch or larger. The largest was 5 inches in June 2023 around Mansfield.
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”).
On tornadoes, NOAA lists 7 tornadoes starting within 10 miles of Mansfield between 2016 and 2025, the strongest rated EF2 in November 2020.
From 2000 on, Tarrant County has been part of 8 major disaster declarations; the latest was Severe Winter Storms (February 2021).
Occupied homes in Mansfield are heated mostly with electricity (56%) and utility gas (41%).
ACS 2020–2024 estimates put about 26,740 housing units in Mansfield, and owners occupy about 72% of the occupied homes. Of all units, 76% are detached single-family houses and 19% are in buildings with two or more units.
The median home in Mansfield was built in 2004. About 29% of homes were built in 2010 or later, and discounts for newer construction come up often.
Mansfield dates its official start to 1856. Mansfield’s population went from 28,031 at the 2000 Census to 56,368 at the 2010 Census, and the Census Bureau’s July 2024 estimate is 80,803. That is growth of roughly 188% since 2000.
Going further back, the Storm Prediction Center lists 31 hail reports within 5 miles of Mansfield between 1955 and 2015; the biggest stones, 3 inches, fell on April 28, 1992. 8 of those reports were 2 inches or larger. NOAA Storm Prediction Center records list 23 tornadoes that began within 10 miles of Mansfield from 1950 through 2015; the strongest was an EF2 on April 3, 2012.
Comparing homes in nearby towns? We also have home insurance pages for Rendon (7 mi), Kennedale (8 mi), and Arlington (9 mi).
ZIP codes we serve in and around Mansfield
76063 · 76065 · 76084
Other Texas coverage resources
Quote homeowners coverage for Mansfield, TX
Freedom Insurance Group compares 25+ carriers for Mansfield residents. Start a free home quote online or call (800) 253-1482.
