Compare more wisely in North Richland Hills with an independent agency that compares carriers and explains the tradeoffs before you buy.
North Richland Hills, TX: the local picture
North Richland Hills counts about 69,204 residents, located in Tarrant County.
North Richland Hills sits in the Tarrant County area, and there routine insurance shopping is shaped more by the features of each home and carrier appetite than by any single landmark.
Most homes are single-family properties typical of the Tarrant County area; replacement cost, roof age, and construction type still drive most premium differences from street to street.
North Texas homes are often rated for severe thunderstorms, hail, and tornado risk typical of the Plains.
Average cost of homeowners insurance in North Richland Hills
The typical homeowners insurance premium in North Richland Hills, TX is about $2,072 annually for a typical local home (typical local home value about $360,700). 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 $1,305 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 North Richland Hills dwelling curve (typical local home value about $360,700). Illustrated estimates, not a quote.
Figures are 2026 market-style estimates for North Richland Hills, TX, using a typical local home value of about $360,700. 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.
The six parts of a home policy
- Dwelling (A): Following a covered loss, this coverage pays to rebuild the house itself; set it to match today’s local rebuild costs.
- Other structures (B): Protection for structures not attached to the home, like a garage, shed, or fence.
- Coverage C, personal property: Your furniture, clothes, and everyday belongings in the home fall under this coverage, but certain valuable items have lower limits.
- Loss of use (Coverage D): If a covered claim forces you out during repairs, this helps pay additional living expenses.
- Coverage E, personal liability: Protection when you are legally responsible for another person’s injury or property damage arising from a covered event.
- Medical payments (Coverage F): This coverage can help with guest medical bills for injuries that happen on your property, often without needing a formal liability claim.
Savings opportunities for North Richland Hills, 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% |
Discount availability and amounts vary by carrier. Treat “up to” as the ceiling, not a promise.
What moves home insurance rates in North Richland Hills
Multiple interlocking factors go into the price for North Richland Hills homeowners, and carriers weigh them as a set while pricing. The deductible you choose and your claims history can change the final price as much as the carrier brand itself, but rebuild cost, roof age and material, and storm or wildfire exposure usually move the number most.
Replacement cost is the amount needed to rebuild the home with like-kind materials at today’s labor and material prices. Higher rebuild estimates for North Richland Hills properties usually push up premiums since the carrier’s maximum payout increases with that figure.
Frame or masonry walls, the roofing material, and overall build quality all influence how the property fares in Texas’s wind, hail, and fire events, which is why construction type and roof details count.
Location risk captures storm, hail, wildfire, and crime scores that can differ by ZIP code and neighborhood within North Richland Hills, so two homes with similar rebuild costs might still quote differently.
A better fire protection profile based on the protection class and nearby hydrants and stations can make a quote more competitive.
Claims filed lately tied to the home or the household can push up premiums whether a North Richland Hills policy is renewing or new, because claims history remains a major rating input.
Credit-based insurance score, where permitted by state rules, is another lever; stronger scores usually correlate with lower premiums when the carrier relies on it.
Neighborhoods around North Richland Hills
- Urban Trails Cottages
- Brittany Park Estates
- Grayson Ridge
- Spring Meadows
- Iron Horse Commons
- The Villas at Smithfield
- Northridge Meadows
- Briarwood Estates
- Smithfield Acres
- Century Oaks
- Stony Brooke
- Peachtree Estates
- Whispering Oaks
- Woodland Oaks
- The Estates of Crestwood
- Eden Estates
- Crestwood Estate
- Martin Oaks
- Harmon Farms
- Bridlewood
Local housing and storm data: North Richland Hills
The USGS GNIS lists these named communities and subdivisions in and around North Richland Hills: Smithfield and Watauga. Older and newer sections can quote differently based on build era, roof, and fire protection.
Tornado history matters here as well: NOAA lists 8 tornadoes touching down within 10 miles of North Richland Hills over 2016–2025, the strongest rated EF1 in December 2022.
FEMA’s National Risk Index flags hail (“Very High”), tornado (“Very High”), wildfire (“Relatively Moderate”), and winter-weather (“Very High”) in Tarrant County.
From 2000 on, Tarrant County has appeared in 8 major disaster declarations; the latest is Severe Winter Storms (February 2021).
NOAA storm records show 78 hail reports within about 6 miles of North Richland Hills from 2016 through 2025, 69 of them one inch or larger. Top size measured 3 inches in April 2021 around Keller.
Half of North Richland Hills’ homes were built in or before 1986. About 35% of homes were built before 1980, so system and roof updates often come up in underwriting.
ACS 2020–2024 estimates put about 28,897 housing units in North Richland Hills, and owner-occupants live in roughly 63% of the occupied homes. Of all units, 66% are detached single-family houses and 27% are in buildings with two or more units.
For heat, North Richland Hills households mostly rely on electricity (66%) and utility gas (33%).
Local history records show North Richland Hills was founded in 1849 and incorporated in 1953. Census counts put North Richland Hills at 55,635 residents in 2000 and 63,343 in 2010, and the Census Bureau’s July 2024 estimate is 71,436. Growth since 2000 comes to roughly 28%.
Going further back, NOAA’s Storm Prediction Center counts 74 hail reports within 5 miles of North Richland Hills between 1955 and 2015, the largest 3.5 inches on May 1, 2003. 4 of those reports were 2 inches or larger. NOAA Storm Prediction Center records list 32 tornadoes that began within 10 miles of North Richland Hills from 1950 through 2015; the most powerful, rated F2, touched down on September 7, 1963.
Comparing homes in nearby towns? See our home insurance pages for Watauga (2 mi), Hurst (3 mi), and Haltom (4 mi).
ZIP codes we cover in and around North Richland Hills
76180 · 76182
North Richland Hills, TX bundling home and auto
These illustrate average bundle savings, not a quote. Actual savings come down to the carriers and drivers involved.
| Place | 1-car bundle | 2-car bundle | 3-car bundle |
|---|---|---|---|
| North Richland Hills, Texas | $258 | $436 | $636 |
Keep exploring Texas coverage options
Get home insurance quotes for North Richland Hills, TX
North Richland Hills residents get a comparison of 25+ carriers through Freedom Insurance Group. Reach us at (800) 253-1482 or start a free home quote online.
