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About Marshall, TX
Marshall counts about 23,820 residents, located in Harrison County.
Marshall is part of the Harrison County area, where day-to-day insurance shopping is shaped more by home characteristics and carrier appetite than by any single landmark.
Housing here is a mix of single-family homes typical of the Harrison County area, but replacement cost, roof age, and construction type still explain most premium differences from street to street.
In North Texas, homes are often rated for severe thunderstorms, hail, and tornado risk typical of the Plains.
What homeowners pay in Marshall
The typical homeowners insurance premium in Marshall, TX is about $1,371 annually for a typical local home (typical local home value about $218,000). 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 42% lower — near $795 per year for a typical home, roughly $947 for a $300,000 home, about $1,333 for a $600,000 home, and around $1,734 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 Marshall dwelling curve (typical local home value about $218,000). Illustrated estimates, not a quote.
Figures are 2026 market-style estimates for Marshall, TX, using a typical local home value of about $218,000. Freedom figures apply an approximate 42% 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 limit pays to rebuild the structure of your home after a covered loss, and it should track current reconstruction costs in your area.
- Other structures (B): Detached garages, sheds, fences, and similar buildings that stand apart from the house fall here.
- Personal property (C): 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: It can help pay additional living expenses when a covered claim makes the home temporarily unlivable during repairs.
- Personal liability (E): This coverage responds when you are legally responsible for bodily injury or property damage to others caused by a covered incident.
- Coverage F, medical payments: Medical costs for a guest hurt at your home, often paid without a formal liability claim.
Savings opportunities for Marshall, 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% |
Every insurer decides its own discount menu and sizes. Read “up to” as the top end, not a guarantee.
Home insurance price factors in Marshall
Marshall homeowners are priced on several connected factors that underwriters review when they build a quote. 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 is the amount needed to rebuild the home with like-kind materials at today’s labor and supply prices. In Marshall, a larger rebuild estimate, premiums generally go up, because the insurer’s exposure grows.
Whether walls are frame or masonry, what the roof is made of, and overall build quality all shape how a house performs against Texas’s wind, hail, and fire events, which is why construction type and roof details carry weight.
Location risk is the reason two comparable houses may not match on price: underwriters rate storm, hail, wildfire, and crime risk down to ZIP code and neighborhood across Marshall.
A strong fire protection profile that reflects hydrant distance, station distance, and protection class often makes pricing more competitive.
Claims history stays a major rating input: recent claims on the property or household often increase rates for Marshall renewals and new business quotes too.
Credit-based insurance score, where state law permits, is another input; higher scores typically bring lower prices when the carrier uses it.
Local housing and storm data: Marshall
Named places the USGS records in and around Marshall include Jasper Heights and Bel Air. Older and newer sections can quote differently because of roof age, construction, and fire-station distance.
NOAA’s Storm Events Database lists 17 hail reports within about 6 miles of Marshall from 2016 through 2025 (14 at one inch or more). The biggest was 2.5 inches in January 2022 around Marshall.
Marshall’s median year built is 1969. About 67% of homes were built before 1980, which means system and roof updates are worth documenting for a quote.
FEMA’s National Risk Index flags hail (“Relatively Moderate”), tornado (“Relatively High”), winter-weather (“Relatively Moderate”), and strong-wind (“Relatively Moderate”) in Harrison County.
Occupied homes in Marshall are heated mostly with electricity (55%) and utility gas (43%).
Tornado history matters here as well: NOAA logged 5 tornadoes touching down within 10 miles of Marshall over 2016–2025, the strongest rated EF2 in March 2017.
Census survey estimates (ACS 2020–2024) show about 10,007 housing units in Marshall, and homeowners occupy roughly 60% of the occupied homes. Of all units, 79% are detached single-family houses and 15% are in buildings with two or more units.
Since 2000, Harrison County has appeared in 14 major disaster declarations; the most recent was Hurricane Beryl (July 2024).
Marshall dates its official start to 1841. Marshall’s population went from 23,935 at the 2000 Census to 23,523 at the 2010 Census, and the Census Bureau’s July 2024 estimate is 24,263. Numbers have held fairly steady since 2000.
Earlier hail records help too: the Storm Prediction Center lists 67 hail reports within 5 miles of Marshall between 1955 and 2015, topped by hail of 2.75 inches on April 22, 1983. Reports of 2-inch or bigger hail number 4 in that span. NOAA Storm Prediction Center records list 28 tornadoes that began within 10 miles of Marshall from 1950 through 2015, the strongest an F3 on October 22, 1972.
Looking at neighboring communities? We also have home insurance pages for Hallsville (13 mi), Lake Cherokee (21 mi), and Longview (24 mi).
ZIP codes we cover in and around Marshall
75670
Bundling home and auto in Marshall, TX
These are illustrated averages for bundling, not a quote. Actual savings come down to the carriers and drivers involved.
| Place | 1-car bundle | 2-car bundle | 3-car bundle |
|---|---|---|---|
| Marshall, Texas | $258 | $436 | $636 |
Related Texas insurance pages
Quote homeowners coverage in Marshall, TX
Freedom Insurance Group compares 25+ carriers for Marshall residents. Begin a home quote online or phone (800) 253-1482.
