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Midlothian, TX: what is distinctive here
Midlothian has about 22,318 residents in Ellis County.
Midlothian is part of the Ellis County area, where everyday insurance shopping is shaped more by home characteristics and carrier appetite than by any single landmark.
Homes are mostly single-family properties typical of the Ellis County area; rebuild cost, roof age, and construction still drive most premium differences block by block.
In North Texas, homes are often rated for severe thunderstorms, hail, and tornado risk typical of the Plains.
Average home insurance cost in Midlothian
The typical homeowners insurance premium in Midlothian, TX is about $2,207 annually for a typical local home (typical local home value about $411,800). 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 $1,324 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 Midlothian dwelling curve (typical local home value about $411,800). Illustrated estimates, not a quote.
Figures are 2026 market-style estimates for Midlothian, TX, using a typical local home value of about $411,800. 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.
What a standard home policy includes
- Dwelling (A): The limit that rebuilds the house after a covered loss. Match it to local rebuilding prices.
- Coverage B, other structures: Coverage for buildings set apart from the house, like a garage, shed, or fence.
- Personal property (C): Covers the contents of the home: furniture, clothing, and everyday items. Pricier categories may have special limits.
- Loss of use (D): It can help pay additional living expenses when a covered claim makes the home uninhabitable for a time during repairs.
- Personal liability (E): This coverage responds when you are legally responsible for injuring someone or damaging their property caused by a covered incident.
- Coverage F, medical payments: Medical costs for a guest hurt at your home, frequently covered without a liability claim.
Common discounts for Midlothian, 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. “Up to” marks the top of the range, not a promise.
How Midlothian home insurance prices vary
Underwriters put together a Midlothian home quote from several overlapping factors reviewed together. The heaviest factors are typically rebuild cost, the roof’s age and material, and local storm or wildfire exposure; deductible choice and claims history can change the final premium as much as the company you choose.
Replacement cost is the cost to rebuild the home with comparable materials at today’s prices for labor and supplies. Because the carrier’s largest possible payout grows with the rebuild estimate, larger figures for Midlothian homes usually lift premiums.
Construction type and roof details matter as well: carriers want to know frame versus masonry construction, the roof covering, and the overall build quality, because these factors decide how it fares in wind, hail, and fire events common across Texas.
Similar Midlothian houses with matching rebuild costs may still get different quotes thanks to location risk: storm, hail, wildfire, and crime scores that shift by ZIP code and neighborhood.
Carriers grade fire protection by protection class plus how far away hydrants and stations are; good protection often brings lower pricing.
Claims history is still a major rating input: recent claims on the property or household often increase rates for Midlothian renewals and new business quotes alike.
Credit-based insurance score also plays a role where it is permitted: carriers that use it tend to price lower for stronger scores.
Neighborhoods around Midlothian
- Park Place
- Windermere Estates
- Mockingbird Estates
- Kensington Park
- The Mark
- Wickloffe Manor
- Autumn Run
- Hawkins Meadows
- Canvas
- Lakeside Villas
- The Grove
- Thomas Trail Estates
Midlothian homes by the numbers
Named communities and subdivisions in USGS place-name records near Midlothian include Ward and Mountain Peak. Each area can price differently because of construction era and roof condition.
Midlothian’s median year built is 2007. About 40% of homes were built in 2010 or later, so age-of-home discounts are often in play.
From 2000 on, Ellis County has been part of 8 major disaster declarations; the latest was Severe Storms, Straight-Line Winds, Tornadoes, and Flooding (May 2024).
Tornadoes are part of the picture too: NOAA lists 7 tornadoes touching down within 10 miles of Midlothian in 2016–2025, the most intense an EF1 in October 2019.
The National Risk Index from FEMA shows elevated ratings for hail (“Relatively High”), tornado (“Relatively Moderate”), and winter-weather (“Relatively Moderate”) in Ellis County.
The NOAA Storm Events Database logged 57 hail reports within about 8 miles of Midlothian from 2016 through 2025, 45 of them one inch or larger. The largest measured 2.75 inches in April 2021 near Venus.
Census survey estimates (ACS 2020–2024) show about 13,373 housing units in Midlothian, and homeowners occupy about 80% of the occupied homes. Looking at building types, 85% are detached single-family houses and 10% are in buildings with two or more units.
For heat, Midlothian households mostly rely on electricity (81%) and utility gas (15%).
Midlothian’s population went from 7,480 at the 2000 Census to 18,037 at the 2010 Census, and the Census Bureau’s July 2024 estimate is 44,104. That is growth of roughly 490% since 2000.
Earlier hail records help too: SPC data show 38 hail reports within 5 miles of Midlothian between 1955 and 2015, topped by hail of 2.75 inches on April 28, 1992. Reports of 2-inch or bigger hail number 2 in that span. The NOAA Storm Prediction Center database shows 27 tornadoes that began within 10 miles of Midlothian from 1950 through 2015; the strongest was an EF3 on December 26, 2015. Along its full path, that storm was blamed for 46 injuries.
Comparing homes in nearby towns? See our home insurance pages for Cedar Hill (8 mi), Oak Leaf (9 mi), and Waxahachie (10 mi).
ZIP codes we cover near Midlothian
76065 · 76084
Bundling home and auto in Midlothian, TX
Illustrative average bundling savings, not guaranteed. Actual savings depend on the carriers and drivers involved.
| Place | 1-car bundle | 2-car bundle | 3-car bundle |
|---|---|---|---|
| Midlothian, Texas | $258 | $436 | $636 |
Related Texas insurance resources
Midlothian, TX homeowners quotes
Midlothian residents get a comparison of 25+ carriers with Freedom Insurance Group. Call (800) 253-1482 or begin a free home quote online.
