Homeowners quotes from 25+ companies, side by side, for Palacios, TX, from Freedom Insurance Group.
What makes Palacios, TX different
About 4,634 people live in Palacios, located in Matagorda County.
Palacios is part of the Matagorda County area, and there everyday insurance shopping is driven more by the features of each home and carrier appetite than by any single landmark.
Local housing is largely single-family homes typical of the Matagorda County area, but replacement cost, roof age, and construction type still account for most premium differences block by block.
Homes in North Texas are often rated for severe thunderstorms, hail, and tornado risk common across the Plains.
Home insurance prices in Palacios, TX
The typical homeowners insurance premium in Palacios, TX is about $1,393 annually for a typical local home (typical local home value about $232,500). 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 38% lower — near $864 per year for a typical home, roughly $1,012 for a $300,000 home, about $1,425 for a $600,000 home, and around $1,854 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 Palacios dwelling curve (typical local home value about $232,500). Illustrated estimates, not a quote.
Figures are 2026 market-style estimates for Palacios, TX, using a typical local home value of about $232,500. Freedom figures apply an approximate 38% savings vs the local typical premium for illustration. Your quote depends on dwelling limit, roof, deductible, claims, and carrier. Not a guarantee.
Homeowners coverage basics
- Coverage A, dwelling: The limit that rebuilds the house after a covered loss. Set it to follow reconstruction costs in your area.
- Coverage B, other structures: Coverage for anything detached from the main house, for example a garage, shed, or fence.
- Personal property (C): This coverage protects furniture, clothing, and everyday belongings inside the home, with special limits that apply to some higher-value categories.
- Loss of use (D): While a covered loss keeps you out of the home, this coverage helps with added costs like a rental or hotel.
- Personal liability (E): Should you be held legally responsible for bodily injury or property damage to others from a covered event, this part responds.
- Medical payments (Coverage F): This helps with guest medical bills for injuries that occur on your property, often without requiring a formal liability claim.
Savings opportunities for Palacios, 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% |
Discounts and their size vary by carrier. “Up to” shows the maximum, not a guaranteed amount.
Home insurance price factors in Palacios
Underwriters put together a Palacios policy quote from several interlocking factors. Most of the price comes from rebuild cost, roof age and material, and local storm or wildfire exposure; deductible choice and claims history can move the final premium as much as the carrier brand itself.
Define replacement cost as the cost to rebuild the home in like-kind materials at current labor and supply costs. Larger rebuild estimates for Palacios properties generally raise premiums because the carrier’s maximum payout rises with that figure.
Construction type and roof details play a role too: frame versus masonry walls, roofing material, and overall build quality all affect how a property fares in wind, hail, and fire scenarios that are common across Texas.
Location risk is why neighbors can pay different amounts: insurers grade storm, hail, wildfire, and crime exposure down to ZIP code and neighborhood across Palacios.
Fire protection plays in as well: a nearby hydrant, a short drive to the fire station, and a strong protection class can all help the price.
Claims filed lately on the property or by the household can push up rates for Palacios renewals as well as new policies, because claims history remains a major rating input.
Credit-based insurance score is a lever too where it is permitted: carriers that use it generally offer lower premiums when scores are higher.
Palacios, TX home and auto bundling
Illustrated 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 |
|---|---|---|---|
| Palacios, Texas | $258 | $436 | $636 |
Local housing and storm data: Palacios
Half of Palacios’ homes were built in or before 1964. About 66% of homes were built before 1980, which means electrical, plumbing, and roof upgrades can change eligibility and price.
No hail reports from 2016–2025 fall within about 5 miles of Palacios in NOAA’s database, though Matagorda County logged 2 hail reports countywide, topping out at 1.75 inches.
Since 2000, Matagorda County has appeared in 10 major disaster declarations; the most recent was Hurricane Beryl (July 2024).
The Census Bureau’s 2020–2024 American Community Survey counts about 2,196 housing units in Palacios, and owners occupy about 84% of the occupied homes. Looking at building types, 83% are detached single-family houses, 6.1% are in buildings with two or more units, and 11% are mobile homes.
The National Risk Index from FEMA shows elevated ratings for hurricane (“Relatively High”) in Matagorda County.
For heat, Palacios households mostly rely on electricity (46%) and utility gas (42%).
Palacios traces its official start to 1903. Census counts put Palacios at 5,153 residents in 2000 and 4,718 in 2010, and the Census Bureau’s July 2024 estimate is 4,373. That is roughly 15% fewer residents than in 2000.
Older NOAA hail logs add more history: NOAA’s Storm Prediction Center counts 3 hail reports within 5 miles of Palacios between 1955 and 2015, the largest 2 inches on April 26, 1973. Reports of 2-inch or bigger hail number 1 in that span. The NOAA Storm Prediction Center database shows 15 tornadoes that began within 10 miles of Palacios from 1950 through 2015; the most powerful, rated F3, touched down on September 20, 1967. NOAA ties that tornado to 4 deaths and 7 injuries.
Looking at neighboring communities? Nearby home insurance pages: Bay City (25 mi) and Port Lavaca (25 mi).
Palacios-area ZIP codes we insure
77465
