Compare, with Freedom Insurance Group, homeowners insurance quotes for Pinehurst, TX. We shop 25+ carriers and help you match coverage to the home or vehicles you actually own.
Average homeowners insurance cost in Pinehurst, TX
| Home value tier | Market est. | FIG illustrated |
|---|---|---|
| Typical local home (~$247,500) | $1,416 | $906 |
| $300,000 dwelling | $1,633 | $1,045 |
| $600,000 dwelling | $2,298 | $1,471 |
| $1,000,000 dwelling | $2,990 | $1,914 |
The typical homeowners insurance premium in Pinehurst, TX is about $1,416 annually for a typical local home (typical local home value about $247,500). 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 36% lower — near $906 per year for a typical home, roughly $1,045 for a $300,000 home, about $1,471 for a $600,000 home, and around $1,914 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 Pinehurst dwelling curve (typical local home value about $247,500). Illustrated estimates, not a quote.
Figures are 2026 market-style estimates for Pinehurst, TX, using a typical local home value of about $247,500. 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.
Pinehurst, TX: what is distinctive here
About 4,624 people live in Pinehurst, located in Montgomery County.
Pinehurst sits in the Montgomery County area, and there everyday insurance shopping is driven more by the features of each home and carrier appetite than by any single landmark.
The housing stock is largely single-family homes typical of the Montgomery County area, but replacement cost, roof age, and construction type still explain most premium differences from street to street.
Carriers rating North Texas homes often price in severe thunderstorms, hail, and tornado risk common across the Plains.
How Pinehurst home insurance quotes differ
Pricing for a Pinehurst home is built from several related inputs underwriters weigh side by side. The deductible you choose and your claims history can move the final premium as much as the choice of carrier, but rebuild cost, roof age and material, and storm or wildfire exposure tend to dominate.
Replacement cost is a straightforward idea: how much would it take to rebuild this home right now, with similar materials, at today’s prices for labor and materials? When a Pinehurst home has a higher rebuild estimate, premiums generally go up, as the carrier’s maximum payout grows.
Construction type and roof details also move the price: underwriters check frame versus masonry construction, what covers the roof, and how solidly the home is built, since these factors decide how it handles the wind, hail, and fire seen across Texas.
Location risk rolls up storm, hail, wildfire, and crime scores that can change by ZIP code and neighborhood within Pinehurst, so two homes with similar rebuild costs might still quote differently.
A solid fire protection score that reflects close hydrants, a nearby station, and a good protection class often makes a quote more competitive.
Claims filed lately on the house or by anyone in the household may lift rates on Pinehurst renewals and new quotes alike, since claims history is a big rating factor.
Where state rules allow it, insurers may apply a credit-based insurance score, and a better score generally leads to a lower premium.
Home insurance discounts in Pinehurst, 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% |
Carriers do not all offer the same discounts, and the amounts vary. Treat “up to” as the top end, not a promise.
The six parts of a home policy
- Coverage A, dwelling: Following a covered loss, this coverage covers rebuilding the structure; make sure it tracks current local reconstruction costs.
- Coverage B, other structures: This portion applies to detached features such as a garage, shed, fence, or similar buildings that sit apart from the main house.
- Personal property (C): Covers the contents of the home: furniture, clothing, and everyday items. Valuables like jewelry may have special limits.
- Loss of use (D): Added costs of living elsewhere during repairs after a covered claim forces you out.
- Coverage E, personal liability: If you are legally responsible for injuring another person or damaging their things from a covered event, this coverage steps in.
- Coverage F, medical payments: This coverage can help with guest medical bills for injuries that happen on your property, often without requiring a formal liability claim.
Pinehurst, TX home and auto bundling
Illustrative average bundling savings, not guaranteed. Actual savings come down to the carriers and drivers involved.
| Place | 1-car bundle | 2-car bundle | 3-car bundle |
|---|---|---|---|
| Pinehurst, Texas | $258 | $436 | $636 |
What public data says about Pinehurst homes
Tornadoes are part of the picture too: NOAA logged 6 tornadoes starting within 10 miles of Pinehurst in 2016–2025, the strongest rated EF2 during January 2023.
FEMA’s National Risk Index flags tornado (“Relatively Moderate”), wildfire (“Relatively Moderate”), and hurricane (“Relatively High”) in Orange County.
The NOAA Storm Events Database logged 3 hail reports within about 5 miles of Pinehurst from 2016 through 2025, 3 of them one inch or larger. The biggest was 1.75 inches in January 2017 around Orange.
Since 2000, Orange County has been part of 14 major disaster declarations; the most recent was Hurricane Beryl (July 2024).
Named places the USGS records in and around Pinehurst include Pine Grove, Francis, Bland, Doc Brown, Bancroft, and Bruner. Each area can price differently based on build era, roof, and fire protection.
Half of Pinehurst’s homes were built in or before 1978. About 54% of homes predate 1980, so system and roof updates often come up in underwriting.
Census survey estimates (ACS 2020–2024) show about 1,016 housing units in Pinehurst, and owner-occupants live in roughly 66% of the occupied homes. Looking at building types, 66% are detached single-family houses, 22% are in buildings with two or more units, and 12% are mobile homes.
Home heating in Pinehurst runs mainly on electricity (58%) and utility gas (42%).
The Census Bureau counted 2,274 people in Pinehurst at the 2000 Census and 2,097 at the 2010 Census; its July 2024 estimate is 2,226. The population has stayed fairly steady since 2000.
Earlier hail records help too: NOAA’s Storm Prediction Center counts 11 hail reports within 5 miles of Pinehurst between 1955 and 2015, the largest 1.75 inches on May 11, 2008. NOAA Storm Prediction Center records list 20 tornadoes that began within 10 miles of Pinehurst from 1950 through 2015; the strongest was an F4 on November 7, 1957. That tornado’s record lists 1 death and 81 injuries.
Looking at neighboring communities? See our home insurance pages for Orange (2 mi), Bridge (7 mi), and Vidor (13 mi).
Pinehurst-area ZIP codes we insure
77362 · 77354
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Price homeowners coverage for Pinehurst, TX
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