Compare homeowners insurance quotes in Pampa, TX with Freedom Insurance Group. We compare 25+ carriers and help you match coverage to the home or vehicles you actually own.
What home insurance costs in Pampa, TX
| Home value tier | Market est. | FIG illustrated |
|---|---|---|
| Typical local home (~$183,600) | $1,091 | $698 |
| $300,000 dwelling | $1,349 | $863 |
| $600,000 dwelling | $1,898 | $1,215 |
| $1,000,000 dwelling | $2,470 | $1,581 |
The typical homeowners insurance premium in Pampa, TX is about $1,091 annually for a typical local home (typical local home value about $183,600). For a $300,000 dwelling, expect around $1,349 per year; for a $600,000 home about $1,898; and for a $1,000,000 dwelling about $2,470. Freedom Insurance Group rates are often about 36% lower — near $698 per year for a typical home, roughly $863 for a $300,000 home, about $1,215 for a $600,000 home, and around $1,581 for a $1,000,000 home.
| Dwelling Coverage Limits | Average Annual Premium (incl. Windstorm & Hail Coverage) |
|---|---|
| $100,000 – $200,000 | $1,049 |
| $200,000 – $300,000 | $1,172 |
| $300,000 – $400,000 | $1,439 |
| $400,000 – $500,000 | $1,629 |
| $500,000 – $600,000 | $1,814 |
| $600,000 – $700,000 | $1,958 |
| $700,000 – $800,000 | $2,078 |
| $800,000 – $900,000 | $2,234 |
| $900,000 – $1,000,000 | $2,391 |
Band premiums are midpoints on the Pampa dwelling curve (typical local home value about $183,600). Illustrated estimates, not a quote.
Figures are 2026 market-style estimates for Pampa, TX, using a typical local home value of about $183,600. Freedom figures apply an approximate 36% savings vs the local typical premium for illustration. Your quote depends on dwelling limit, roof, deductible, claims, and carrier. Not a guarantee.
A closer look at Pampa, TX
Pampa counts roughly 18,177 residents and sits in Gray County.
Pampa sits in the Gray County area, where everyday insurance shopping is driven more by home characteristics and carrier appetite than by any single landmark.
Homes are mostly single-family houses typical of the Gray County area; rebuild cost, roof age, and construction still explain most premium differences from street to street.
Insurers in North Texas often price in severe thunderstorms, hail, and tornado risk common across the Plains.
What drives home insurance costs in Pampa
Pricing for a Pampa home is built from a set of connected factors underwriters weigh together. Rebuild cost, roof age and material, and local storm or wildfire exposure tend to move the number most, while deductible choice and claims history can swing the final premium as much as the carrier brand itself.
Replacement cost is what it would take to rebuild the home with comparable materials at today’s labor and material prices. Bigger rebuild figures for Pampa properties generally raise premiums because the carrier’s maximum payout rises with that figure.
Construction type and roof details round out the list: insurers ask frame versus masonry construction, the roof covering, and how solidly the home is built, because those details affect how it handles wind, hail, and fire events common across Texas.
Location risk is the reason similar homes can price differently: carriers score storm, hail, wildfire, and crime risk down to ZIP code and neighborhood across Pampa.
Fire protection matters as well: a hydrant close by, a short drive to the fire station, and a good protection class rating can all help pricing.
Claims history stays a major rating input: recent claims on the property or household tend to raise rates for Pampa renewals and new business quotes alike.
Where state rules allow it, carriers may use a credit-based insurance score, and a better score tends to bring a lower premium.
Home insurance discounts in Pampa, TX
| 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 company decides which discounts it offers and how large they are. Treat “up to” as the top end, not what everyone gets.
Coverage basics for homeowners
- Coverage A, dwelling: Following a covered loss, this coverage covers rebuilding your home’s structure; keep it in line with current local reconstruction costs.
- Other structures (B): It covers detached features such as a garage, shed, fence, or similar buildings that sit apart from the main house.
- Personal property (Coverage C): Belongings such as furniture and clothing inside the house are protected, but some higher-value categories carry special sublimits.
- Loss of use (D): It can help pay additional living expenses when a covered claim makes the home temporarily unlivable during repairs.
- Personal liability (E): This applies when you are legally responsible for injuring someone or damaging their property arising from a covered incident.
- Medical payments (F): It can help pay guest medical bills for injuries that occur on your property, often without requiring a formal liability claim.
Pampa, TX bundling home and auto
The figures below show average bundling savings, not a promise. Actual savings vary with carriers and drivers.
| Place | 1-car bundle | 2-car bundle | 3-car bundle |
|---|---|---|---|
| Pampa, Texas | $258 | $436 | $636 |
Pampa housing stock and storm history
The Census Bureau’s 2020–2024 American Community Survey counts about 8,451 housing units in Pampa, and homeowners occupy close to 74% of the occupied homes. Looking at building types, 86% are detached single-family houses and 7.7% are in buildings with two or more units.
Tornado history matters here as well: NOAA recorded 3 tornadoes starting within 10 miles of Pampa between 2016 and 2025, with the strongest at EF0 in June 2019.
Pampa’s median year built is 1961. About 77% of homes were built before 1980, which means wiring, plumbing, and roof updates often come up in underwriting.
In FEMA’s National Risk Index, Gray County rates above the low end for hail (“Relatively Moderate”), tornado (“Relatively Moderate”), wildfire (“Relatively Moderate”), and winter-weather (“Relatively High”).
Home heating in Pampa runs mainly on utility gas (72%) and electricity (26%).
From 2000 on, Gray County has appeared in 5 major disaster declarations; the most recent was Severe Winter Storms (February 2021).
NOAA storm records show 41 hail reports within about 5 miles of Pampa from 2016 through 2025 (38 at one inch or more). Top size measured 4.5 inches in June 2023 near Pampa.
Pampa traces its official start to 1888. The Census Bureau counted 17,887 people in Pampa at the 2000 Census and 17,994 at the 2010 Census; its July 2024 estimate is 16,487. Numbers have held fairly steady since 2000.
Older NOAA hail logs add more history: NOAA’s Storm Prediction Center counts 121 hail reports within 5 miles of Pampa between 1955 and 2015, topped by hail of 4 inches on May 15, 2009. 16 of those reports were 2 inches or larger. NOAA Storm Prediction Center records list 37 tornadoes that began within 10 miles of Pampa from 1950 through 2015; the strongest was an F4 on June 8, 1995.
Shopping around the area? See our home insurance pages for Borger (26 mi) and Panhandle (27 mi).
Pampa-area ZIP codes we insure
79065 · 79066
Browse Texas coverage guides
Price homeowners coverage in Pampa, TX
Freedom Insurance Group compares 25+ carriers for Pampa households. Ready when you are: start a free home quote online or dial (800) 253-1482.
