Compare more wisely in Roanoke with an independent agency that shops multiple carriers and explains the tradeoffs before you buy.
What makes Roanoke, TX different
About 7,400 people live in Roanoke and sits in Denton County.
Roanoke lies within the Denton County area, where routine insurance shopping is shaped more by home characteristics and carrier appetite than by any single landmark.
Most homes are single-family properties typical of the Denton County area; replacement cost, roof age, and construction type still explain most premium differences block by block.
North Texas homes are often rated for severe thunderstorms, hail, and tornado risk common across the Plains.
Average home insurance cost in Roanoke
The typical homeowners insurance premium in Roanoke, TX is about $2,362 annually for a typical local home (typical local home value about $466,900). For a $300,000 dwelling, expect around $1,917 per year; for a $600,000 home about $2,697; and for a $1,000,000 dwelling about $3,510. Freedom Insurance Group rates are often about 38% lower — near $1,464 per year for a typical home, roughly $1,189 for a $300,000 home, about $1,672 for a $600,000 home, and around $2,176 for a $1,000,000 home.
| Dwelling Coverage Limits | Average Annual Premium (incl. Windstorm & Hail Coverage) |
|---|---|
| $100,000 – $200,000 | $1,490 |
| $200,000 – $300,000 | $1,666 |
| $300,000 – $400,000 | $2,045 |
| $400,000 – $500,000 | $2,315 |
| $500,000 – $600,000 | $2,577 |
| $600,000 – $700,000 | $2,782 |
| $700,000 – $800,000 | $2,952 |
| $800,000 – $900,000 | $3,175 |
| $900,000 – $1,000,000 | $3,398 |
Band premiums are midpoints on the Roanoke dwelling curve (typical local home value about $466,900). Illustrated estimates, not a quote.
Figures are 2026 market-style estimates for Roanoke, TX, using a typical local home value of about $466,900. 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.
Coverage basics for homeowners
- Dwelling (Coverage A): Following a covered loss, this coverage pays to rebuild the structure; keep it in line with what rebuilding costs in your area today.
- Coverage B, other structures: A detached garage, a shed, a fence, or similar buildings that stand apart from the house are protected by this part.
- Coverage C, personal property: Your furniture, clothes, and everyday belongings inside the house are protected, though some higher-value categories carry special sublimits.
- Coverage D, loss of use: Extra living expenses while the home is being repaired after a covered claim forces you out.
- Personal liability (Coverage E): It pays when you are legally on the hook for injuries to others or damage to their property from a covered incident.
- Medical payments (F): Medical bills for guests injured on your property, often paid without any formal claim.
Homeowners discounts in Roanoke, 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% |
Which discounts apply and how much they are worth vary by carrier. “Up to” shows the maximum, not a guaranteed amount.
What shapes home insurance premiums in Roanoke
Multiple interlocking factors shape what Roanoke homeowners pay, and underwriters look at all of them while pricing. Count on rebuild cost, the roof’s age and type, and storm and wildfire exposure to drive most of the price. The deductible you pick and your claims record can swing the final premium as much as the carrier brand.
Think of replacement cost as the cost to rebuild your home with comparable materials at present-day prices. When a Roanoke home has a higher rebuild estimate, the premium usually rises, as the carrier’s maximum payout grows.
Construction type and roof details also matter: frame versus masonry walls, roof covering, and overall build quality all influence how a property fares in wind, hail, and fire scenarios seen across Texas.
Location risk captures storm, hail, wildfire, and crime scores that can change by ZIP code and neighborhood within Roanoke, so two homes with similar rebuild costs can still get different prices.
Fire protection plays in as well: a nearby hydrant, a close fire station, and a good protection class rating may all help the price.
Claims history is still a major rating input: recent claims on the property or household often increase rates for Roanoke renewals and new business quotes as well.
In states that allow it, companies can use a credit-based insurance score, and a higher score usually means a lower premium.
Neighborhoods in Roanoke
- Stonehurst
- Carpenter
- Villaggio (Future Residential)
- Paigebrook
- Wyck Hill
- Shelby Estates
- Aspen Estates
- Westlake Ranch
- Meadow View
- Vaquero
- Old Town Roanoke Residential
- Oakmont
- Parkview Estates
- The Overlook
- The Manors of Waterford
- Greenhill Estates
- Roanoke City Center Brownstones
- Tuscany Estates
- Oakbrook Hills
Housing and weather facts for Roanoke
NOAA storm records show 68 hail reports within about 5 miles of Roanoke from 2016 through 2025 (51 at one inch or more). The biggest measured 3.25 inches in April 2021 around Keller.
The median home in Roanoke was built in 2008. Roughly 46% of homes were built in 2010 or later, so age-of-home discounts are often in play.
Census survey estimates (ACS 2020–2024) show about 4,547 housing units in Roanoke, and owners occupy about 54% of the occupied homes. Of all units, 47% are detached single-family houses, 44% are in buildings with two or more units, and 9.1% are mobile homes.
From 2000 on, Denton County has been part of 8 major disaster declarations; the latest was Severe Storms, Straight-Line Winds, Tornadoes, and Flooding (May 2024).
Home heating in Roanoke runs mainly on electricity (66%) and utility gas (32%).
The National Risk Index from FEMA shows elevated ratings for hail (“Very High”), tornado (“Very High”), wildfire (“Relatively Moderate”), and winter-weather (“Relatively High”) in Denton County.
On tornadoes, NOAA logged 5 tornadoes touching down within 10 miles of Roanoke in 2016–2025, with the strongest at EF1 during December 2022.
Census counts put Roanoke at 2,810 residents in 2000 and 5,962 in 2010, and the Census Bureau’s July 2024 estimate is 10,895. That is growth of roughly 288% since 2000.
Going further back, SPC data show 43 hail reports within 5 miles of Roanoke between 1955 and 2015; the biggest stones, 4.25 inches, fell on May 24, 2011. 3 of those reports were 2 inches or larger. The NOAA Storm Prediction Center database shows 17 tornadoes that began within 10 miles of Roanoke from 1950 through 2015; the most powerful, rated F2, touched down on May 14, 1975.
Comparing homes in nearby towns? We also have home insurance pages for Trophy Club (4 mi), Northlake (4 mi), and Keller (6 mi).
Roanoke-area ZIP codes we insure
76262
Bundling home and auto in Roanoke, TX
Average bundle savings, illustrated, not guaranteed. Actual savings vary with the carrier and the drivers.
| Place | 1-car bundle | 2-car bundle | 3-car bundle |
|---|---|---|---|
| Roanoke, Texas | $258 | $436 | $636 |
Related Texas coverage resources
Price homeowners coverage in Roanoke, TX
For Roanoke residents, Freedom Insurance Group compares 25+ carriers. Phone (800) 253-1482 or start a free home quote online.
