Independent agents comparing homeowners quotes from 25+ carriers for Rhome residents.
Typical homeowners costs in Rhome
The typical homeowners insurance premium in Rhome, TX is about $1,463 annually for a typical local home (typical local home value about $260,100). 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 40% lower — near $878 per year for a typical home, roughly $980 for a $300,000 home, about $1,379 for a $600,000 home, and around $1,794 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 Rhome dwelling curve (typical local home value about $260,100). Illustrated estimates, not a quote.
Figures are 2026 market-style estimates for Rhome, TX, using a typical local home value of about $260,100. Freedom figures apply an approximate 40% 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 Rhome, TX
Around 1,630 people live in Rhome in Wise County.
Rhome is not known for big-city tourism headlines, and the insurance story is about local construction, fire protection access, and regional storm patterns.
Homes are mostly single-family houses typical of the Wise County area; rebuild cost, roof age, and construction still drive most premium differences block by block.
North Texas homes are often rated for severe thunderstorms, hail, and tornado risk common across the Plains.
Homeowners coverage basics
When a covered loss hits, this limit rebuilds the structure; set it to match current local reconstruction costs.
This portion applies to detached features such as a garage, shed, fence, or similar buildings that sit apart from the main house.
This covers furniture, clothing, and everyday belongings inside the home, with special limits that may apply to higher-value categories.
This helps with additional living expenses when a covered claim makes the home unlivable for a while during repairs.
If you are legally responsible for someone else’s injury or property damage in a covered incident, this coverage steps in.
This coverage can help with guest medical bills for injuries that happen on your property, often without requiring a formal liability claim.
Discounts for Rhome, 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% |
Carriers do not all offer the same discounts, and amounts differ too. “Up to” is the high end, not a guaranteed amount.
Premium drivers for homeowners in Rhome
Rhome homeowners are priced on several related factors that underwriters review when they build a quote. The deductible you choose and your claims history can change the final price as much as the choice of carrier, but rebuild cost, roof age and material, and storm or wildfire exposure usually move the number most.
Replacement cost is the cost to rebuild the home with like-kind materials at today’s prices for labor and supplies. The carrier’s exposure tracks the rebuild estimate, so higher figures for Rhome properties generally mean a higher price.
Construction type and roof details also move the price: underwriters check frame versus masonry construction, the roofing material, and how solidly the home is built, since these factors shape how it fares in the wind, hail, and fire seen across Texas.
Storm, hail, wildfire, and crime scores drive location risk, and they vary from one Rhome ZIP code or neighborhood to the next, meaning houses with comparable rebuild costs can still get different prices.
A strong fire protection score built on close hydrants, a nearby station, and a good protection class often makes a quote more competitive.
A recent claim tied to the home or the household can raise the price whether a Rhome policy is renewing or new, since claims history still weighs heavily.
Credit-based insurance score also plays a role in states that allow it: insurers relying on it tend to price lower when scores are higher.
Bundling home and auto in Rhome, TX
These are illustrated averages for bundling, not a promise. Actual savings come down to the carrier and the drivers.
| Place | 1-car bundle | 2-car bundle | 3-car bundle |
|---|---|---|---|
| Rhome, Texas | $258 | $436 | $636 |
What public data says about Rhome homes
Since 2000, Wise County has appeared in 7 major disaster declarations; the latest is Severe Winter Storms (February 2021).
The Census Bureau’s 2020–2024 American Community Survey counts about 586 housing units in Rhome, and owner-occupants live in close to 88% of the occupied homes. Looking at building types, 69% are detached single-family houses, 6.3% are in buildings with two or more units, and 24% are mobile homes.
Occupied homes in Rhome are heated mostly with electricity (76%) and utility gas (18%).
FEMA’s National Risk Index flags hail (“Relatively Moderate”), tornado (“Relatively Moderate”), and wildfire (“Relatively Moderate”) in Wise County.
Tornado history matters here as well: NOAA recorded 3 tornadoes touching down within 10 miles of Rhome between 2016 and 2025, the most intense an EF2 during December 2022.
NOAA’s Storm Events Database lists 22 hail reports within about 5 miles of Rhome from 2016 through 2025 (17 at one inch or more). The biggest was 3 inches in April 2024 around Boyd.
Rhome’s median year built is 2002. Ages are mixed: 18% date from before 1980 and 19% were built in 2010 or later.
The Census Bureau counted 551 people in Rhome at the 2000 Census and 1,522 at the 2010 Census; its July 2024 estimate is 1,926. Growth since 2000 comes to roughly 250%.
Older NOAA hail logs add more history: NOAA’s Storm Prediction Center counts 25 hail reports within 5 miles of Rhome between 1955 and 2015; the biggest stones, 4.25 inches, fell on May 7, 2015. 2 of those reports were 2 inches or larger. NOAA Storm Prediction Center records list 15 tornadoes that began within 10 miles of Rhome from 1950 through 2015; the most powerful, rated F3, touched down on April 2, 1957.
Looking at neighboring communities? Nearby home insurance pages: Justin (11 mi), Haslet (12 mi), and Paradise (12 mi).
ZIP codes we insure in and around Rhome
76078
More Texas insurance resources
Rhome, TX home insurance quotes
Rhome residents get quotes from 25+ carriers with Freedom Insurance Group. Begin a home quote online or phone (800) 253-1482.
