Side-by-side homeowners quotes from 25+ companies in Marble Falls, TX, from Freedom Insurance Group.
About Marble Falls, TX
Around 6,281 people live in Marble Falls and sits in Burnet County.
Marble Falls is part of the Burnet County area, where routine 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 Burnet County area, and replacement cost, roof age, and construction type still account for most premium differences from one house to the next.
Carriers rating North Texas homes often price in severe thunderstorms, hail, and tornado risk typical of the Plains.
Homeowners pricing in Marble Falls, TX
The typical homeowners insurance premium in Marble Falls, TX is about $1,764 annually for a typical local home (typical local home value about $360,000). 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 35% lower — near $1,147 per year for a typical home, roughly $1,061 for a $300,000 home, about $1,494 for a $600,000 home, and around $1,944 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 Marble Falls dwelling curve (typical local home value about $360,000). Illustrated estimates, not a quote.
Figures are 2026 market-style estimates for Marble Falls, TX, using a typical local home value of about $360,000. Freedom figures apply an approximate 35% 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 (Coverage A): When a covered loss hits, this limit rebuilds the house itself; set it to match what rebuilding costs in your area today.
- Coverage B, other structures: Coverage for structures not attached to the home, such as a garage, shed, or fence.
- Personal property (C): Furniture, clothing, and the other things you own in the home are covered here, but certain valuable items have lower limits.
- Loss of use (D): While a covered loss keeps you out of the home, it can cover the extra living costs.
- Personal liability (Coverage E): It responds when you are legally responsible for harm to other people or their property arising from a covered incident.
- Medical payments (Coverage F): If a visitor is injured at your home, this can pay medical bills, often without a formal liability claim.
Common discounts for Marble Falls, 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 sets which discounts it offers and how large they are. Read “up to” as the maximum, not what everyone gets.
How Marble Falls home insurance prices vary
Marble Falls homeowners are priced on several connected factors that underwriters weigh when they build a quote. Look for rebuild cost, the roof’s age and type, and local storm or wildfire exposure to drive most of the price. Deductible choice and claims history can also shift the final price as much as choosing one carrier over another.
Define replacement cost as the cost to rebuild the house using similar materials at current labor and supply costs. The maximum payout moves with the rebuild estimate, which is why higher figures for Marble Falls properties generally mean higher premiums.
Construction type and roof details round out the list: underwriters check whether walls are frame or masonry, the roofing material, and how solidly the home is built, since those details affect how it fares in the wind, hail, and fire seen across Texas.
Scores for storms, hail, wildfire, and crime make up location risk, and they can shift from one Marble Falls ZIP code or neighborhood to the next, so homes with similar rebuild costs can still get different prices.
A strong fire protection profile built on close hydrants, a nearby station, and a good protection class often makes the premium lower.
Claims history still matters a lot: in Marble Falls, a recent claim on the home or household tend to increase pricing at renewal and on new quotes.
Credit-based insurance score, where permitted by state rules, is another lever; higher scores typically bring lower premiums when the carrier uses that factor.
Home-and-auto bundles in Marble Falls, TX
The amounts shown illustrate average bundle savings, not a guaranteed quote. Actual savings depend on the carrier and the drivers.
| Place | 1-car bundle | 2-car bundle | 3-car bundle |
|---|---|---|---|
| Marble Falls, Texas | $258 | $436 | $636 |
Housing and weather facts for Marble Falls
The National Risk Index from FEMA shows elevated ratings for hail (“Relatively Moderate”), tornado (“Relatively Moderate”), winter-weather (“Relatively Moderate”), and strong-wind (“Relatively Moderate”) in Burnet County.
For heat, Marble Falls households mostly rely on electricity (83%), utility gas (13%), and propane or other bottled gas (3.9%). Wood stoves and propane tanks are worth mentioning on an application, because carriers treat them differently.
The NOAA Storm Events Database logged 18 hail reports within about 6 miles of Marble Falls from 2016 through 2025, 17 of them one inch or larger. The biggest measured 2.75 inches in April 2024.
On tornadoes, NOAA recorded 2 tornadoes starting within 10 miles of Marble Falls in 2016–2025, the strongest rated EF1 in April 2020.
Census survey estimates (ACS 2020–2024) show about 3,483 housing units in Marble Falls, and homeowners occupy close to 41% of the occupied homes. Looking at building types, 50% are detached single-family houses, 40% are in buildings with two or more units, and 4.0% are mobile homes.
From 2000 on, Burnet County has been part of 10 major disaster declarations; the most recent was Severe Storms, Straight-Line Winds, and Flooding (July 2025).
Half of Marble Falls’ homes were built in or before 2001. There is a spread of ages: 21% date from before 1980 and 17% were built in 2010 or later.
Marble Falls’ recorded beginnings date to 1887. The Census Bureau counted 4,959 people in Marble Falls at the 2000 Census and 6,077 at the 2010 Census; its July 2024 estimate is 9,413. That is growth of roughly 90% since 2000.
Earlier hail records help too: the Storm Prediction Center lists 27 hail reports within 5 miles of Marble Falls between 1955 and 2015, topped by hail of 2.75 inches on March 12, 1999. 4 of those reports were 2 inches or larger. Federal tornado records from NOAA’s Storm Prediction Center list 7 tornadoes that began within 10 miles of Marble Falls from 1950 through 2015; the strongest was an F3 on May 13, 1994.
Comparing homes in nearby towns? Nearby home insurance pages: Lago Vista (19 mi), Lakeway (22 mi), and Liberty Hill (23 mi).
ZIP codes we cover near Marble Falls
78654
