Use Freedom Insurance Group to compare homeowners insurance quotes in Southlake, TX. We shop 25+ carriers and help you match coverage to the home or vehicles you actually own.
Average cost of home insurance in Southlake, TX
| Home value tier | Market est. | Freedom Insurance Group example |
|---|---|---|
| Typical local home (~$1,014,500) | $3,533 | $2,296 |
| $300,000 dwelling | $1,917 | $1,246 |
| $600,000 dwelling | $2,697 | $1,753 |
| $1,000,000 dwelling | $3,510 | $2,282 |
The typical homeowners insurance premium in Southlake, TX is about $3,533 annually for a typical local home (typical local home value about $1,014,500). 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 35% lower — near $2,296 per year for a typical home, roughly $1,246 for a $300,000 home, about $1,753 for a $600,000 home, and around $2,282 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 Southlake dwelling curve (typical local home value about $1,014,500). Illustrated estimates, not a quote.
Figures are 2026 market-style estimates for Southlake, TX, using a typical local home value of about $1,014,500. Freedom figures apply an approximate 35% savings vs the local typical premium for illustration. Your quote depends on dwelling limit, roof, deductible, claims, and carrier. Not a guarantee.
Southlake, TX: local context
Southlake is home to around 29,941 residents and sits in Tarrant County, part of the Dallas–Fort Worth metroplex.
Southlake is located in the Dallas–Fort Worth metroplex, where day-to-day insurance shopping is driven more by the features of each home and carrier appetite than by any single landmark.
Housing here is a mix of single-family homes typical of the Dallas–Fort Worth metroplex, but replacement cost, roof age, and construction type still drive most premium differences from street to street.
Homes in North Texas are often rated for severe thunderstorms, hail, and tornado risk common across the Plains.
What affects home insurance costs in Southlake
A handful of connected factors determine a Southlake home premium, and underwriters look at all of them before quoting. The deductible you choose and your claims history can change the final price as much as the choice of carrier, while rebuild cost, roof age and material, and storm or wildfire exposure usually move the number most.
Rebuilding the home in comparable materials at current labor and material costs is what replacement cost means. Because the carrier’s top payout climbs with the rebuild estimate, bigger estimates for Southlake properties tend to push up premiums.
Construction type and roof details round out the list: carriers want to know frame versus masonry construction, what covers the roof, and the overall build quality, because these factors affect how it fares in wind, hail, and fire events common across Texas.
Two Southlake homes with close rebuild estimates might not cost the same because of location risk: storm, hail, wildfire, and crime scores that vary by ZIP code and neighborhood.
Underwriters grade fire protection by protection class plus how far away hydrants and stations are; a stronger profile tends to mean a more competitive price.
Claims history is still a major rating input: recent claims on the property or household frequently raise rates for Southlake 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 lower premiums.
Homeowners discounts in Southlake, 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% |
Discounts are not uniform across carriers, and the amounts vary. “Up to” is the high end, not a guaranteed amount.
Homeowners coverage basics
- Dwelling (A): This is the limit that pays to rebuild the house itself after a covered loss, and it should match what rebuilding costs locally right now.
- Other structures (Coverage B): This portion applies to detached features such as a garage, shed, fence, or similar buildings that are not attached to the main house.
- Personal property (Coverage C): Your furniture, clothes, and everyday belongings in the home are protected, but some higher-value categories carry special sublimits.
- Loss of use (Coverage D): Extra living expenses during repairs after a covered claim leaves it uninhabitable.
- Coverage E, personal liability: Coverage for times when you are legally responsible for another person’s injury or property damage arising from a covered event.
- Medical payments (F): Medical costs for a guest hurt at your home, usually handled without a formal liability claim.
Home-and-auto bundles in Southlake, TX
Illustrated average bundle savings, not a guaranteed quote. Actual savings depend on the carrier and the drivers.
| Place | 1-car bundle | 2-car bundle | 3-car bundle |
|---|---|---|---|
| Southlake, Texas | $258 | $436 | $636 |
Areas of Southlake
- Chelsea Park
- Chapel Downs
- Ravenaux Place
- Mission Hill Estates
- Fox Hollow
- Oak Hill
- Diamond Circle Estates
- The Garden
- Shady Oaks
- Coventry Manor
- Foxborough
- High Point Estates
- Raven Bend
- Crescent Heights
- Southridge Lakes
- Stratfort Park
- Lake Crest
- Ginger Creek Estates
- Cross Timber Hills
- Winding Creek
Southlake housing stock and storm history
Since 2000, Tarrant County has appeared in 8 major disaster declarations; the most recent was Severe Winter Storms (February 2021).
Occupied homes in Southlake are heated mostly with utility gas (72%) and electricity (26%).
Southlake’s median year built is 1997. The stock is mixed: 5.3% date from before 1980 and 19% were built in 2010 or later.
The Census Bureau’s 2020–2024 American Community Survey counts about 9,612 housing units in Southlake, and owner-occupants live in roughly 95% of the occupied homes. Looking at building types, 94% are detached single-family houses.
Tornado history matters here as well: NOAA lists 7 tornadoes touching down within 10 miles of Southlake over 2016–2025, the strongest rated EF1 in December 2022.
The National Risk Index from FEMA shows elevated ratings for hail (“Very High”), tornado (“Very High”), wildfire (“Relatively Moderate”), and winter-weather (“Very High”) in Tarrant County.
NOAA’s Storm Events Database lists 65 hail reports within about 6 miles of Southlake from 2016 through 2025, 45 of them one inch or larger. The biggest was 4 inches in June 2023.
By the historical record, Southlake was incorporated in 1956. Census counts put Southlake at 21,519 residents in 2000 and 26,575 in 2010, and the Census Bureau’s July 2024 estimate is 31,500. Growth since 2000 comes to roughly 46%.
Going further back, SPC data show 83 hail reports within 5 miles of Southlake between 1955 and 2015; the biggest stones, 4.5 inches, fell on October 21, 1996. 9 of those reports were 2 inches or larger. Federal tornado records from NOAA’s Storm Prediction Center list 25 tornadoes that began within 10 miles of Southlake from 1950 through 2015; the most powerful, rated F2, touched down on November 3, 1959.
Comparing homes in nearby towns? See our home insurance pages for Trophy Club (3 mi), Colleyville (4 mi), and Grapevine (4 mi).
ZIP codes we serve in and around Southlake
76092
See more Texas insurance resources
Get home insurance quotes in Southlake, TX
Southlake homeowners get quotes from 25+ carriers with Freedom Insurance Group. Request a free home quote online or phone (800) 253-1482.
