Freedom Insurance Group writes homeowners quotes for Paradise, Texas, from the office on Texas 114. Paradise is a small Wise County town, about 475 people in the 2020 census, in ZIP 76073.
A closer look at Paradise, TX
Paradise is part of Wise County, northwest of Fort Worth, along Texas 114. The housing stock is mostly single-family homes on town lots and nearby acreage, not a dense suburban grid. Replacement cost, roof age, and construction type still decide most of the premium, house by house.
Hail, straight-line wind, and tornadoes are the local risks that change a home quote in this part of North Texas. A newer impact-resistant roof can price differently from an older composition roof on the same street. Distance to the fire department matters more here than it does in a large city with a hydrant on every block.
Homeowners insurance does not cover flood. Homes in low spots or near a creek can need a separate flood policy. That is a different quote from the home policy.
Our Paradise office is at 3338 Texas 114, Paradise, TX 76073. Call (972) 798-3769, or see the Paradise office page.
What changes a Paradise home quote
We do not publish a Paradise average premium. A real number comes from the house, not from the city name. Underwriters look at these first:
- Rebuild cost. The dwelling limit should track what it costs to rebuild in Wise County now, not what the house last sold for.
- Roof age and material. Hail claims are common in North Texas. Carriers often want the roof year, covering, and whether it is impact rated.
- Wind or hail deductible. A percentage deductible can be a large share of a claim. It also changes the premium.
- Fire protection. Protection class, hydrants, and how far the house sits from the station show up on rural and edge-of-town risks.
- Claims and updates. Recent wind or hail claims, and whether electrical, plumbing, or heating have been updated, both move the price.
Coverage basics for homeowners
- Dwelling. Pays to repair or rebuild the house after a covered loss, up to the limit you choose.
- Other structures. Detached garage, fence, or shed, usually a percentage of the dwelling limit.
- Personal property. Furniture, clothes, and other belongings. Some items have special limits.
- Loss of use. Extra living costs if a covered loss makes the home unlivable.
- Liability and medical payments. If someone is hurt or their property is damaged and you are responsible.
Wind and hail are usually part of the home policy in this area, subject to the wind or hail deductible. Flood is not. Sewer backup and scheduled jewelry are optional on many policies.
Discounts worth asking about
Ask about a new-roof or impact-roof credit, a home-and-auto bundle, claims-free history, monitored alarms, and paid-in-full. Which credits apply, and how much they take off, depends on the carrier. We will not quote a percentage until a company actually offers it on your house.
Local housing and storm data: Paradise
FEMA’s National Risk Index flags hail (“Relatively Moderate”), tornado (“Relatively Moderate”), and wildfire (“Relatively Moderate”) in Wise County.
ACS 2020–2024 estimates put about 236 housing units in Paradise, and owner-occupants live in roughly 88% of the occupied homes. By structure type, 86% are detached single-family houses and 12% are mobile homes.
For heat, Paradise households mostly rely on electricity (48%), utility gas (28%), and propane or other bottled gas (24%). Propane tanks and wood stoves should be disclosed when you apply, because they can affect eligibility.
From 2000 on, Wise County has been part of 7 major disaster declarations; the latest is Severe Winter Storms (February 2021).
Half of Paradise’s homes were built in or before 1987. Roughly 36% of homes were built before 1980, so electrical, plumbing, and roof upgrades often come up in underwriting.
NOAA storm records show 11 hail reports within about 5 miles of Paradise from 2016 through 2025 (10 at one inch or more). Top size measured 2 inches in February 2022 near Cottondale.
Tornadoes are part of the picture too: NOAA logged 4 tornadoes touching down within 10 miles of Paradise in 2016–2025, with the strongest at EF2 during December 2022.
Paradise traces its official start to 1870. Paradise’s population went from 459 at the 2000 Census to 441 at the 2010 Census, and the Census Bureau’s July 2024 estimate is 765. Growth since 2000 comes to roughly 67%.
Earlier hail records help too: NOAA’s Storm Prediction Center counts 26 hail reports within 5 miles of Paradise between 1955 and 2015; the biggest stones, 3 inches, fell on April 29, 2002. Reports of 2-inch or bigger hail number 4 in that span. NOAA Storm Prediction Center records list 26 tornadoes that began within 10 miles of Paradise from 1950 through 2015, the strongest an F2 on October 12, 2001.
Comparing homes in nearby towns? See our home insurance pages for Rhome (12 mi), Azle (20 mi), and Justin (22 mi).
ZIP codes we cover near Paradise
76073 is the Paradise ZIP. We also quote nearby Wise County addresses. If the house has a different ZIP, use that ZIP on the quote. Garaging and rating follow the property address.
