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A closer look at Stephenville, TX
Stephenville is home to around 20,120 residents, located in Erath County.
Stephenville lies within the Erath County area, and there routine 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 Erath County area, and replacement cost, roof age, and construction type still explain most premium differences block by block.
Carriers rating North Texas homes often price in severe thunderstorms, hail, and tornado risk common across the Plains.
Average cost of homeowners insurance in Stephenville
The typical homeowners insurance premium in Stephenville, TX is about $1,406 annually for a typical local home (typical local home value about $241,300). 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 35% lower — near $914 per year for a typical home, roughly $1,061 for a $300,000 home, about $1,494 for a $600,000 home, and around $1,944 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 Stephenville dwelling curve (typical local home value about $241,300). Illustrated estimates, not a quote.
Figures are 2026 market-style estimates for Stephenville, TX, using a typical local home value of about $241,300. 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.
Homeowners policy coverages, A through F
- Dwelling (A): When a covered loss hits, this limit pays to rebuild the structure; set it to match what rebuilding costs in your area today.
- Coverage B, other structures: Sheds, fences, detached garages, and the like not attached to the home fall here.
- Coverage C, personal property: Covers the contents of the home: furniture, clothing, and everyday items. Pricier categories may have special limits.
- Loss of use (D): While a covered loss keeps you out of the home, it can cover additional living expenses.
- Coverage E, personal liability: Coverage for times when you are legally on the hook for another person’s injury or property damage arising from a covered event.
- Coverage F, medical payments: If a visitor is injured at your home, this covers medical costs, frequently with no formal liability claim.
Discounts for Stephenville, 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% |
Each company sets its own discounts and amounts. “Up to” marks the top of the range, not a guaranteed amount.
How Stephenville home insurance premiums differ
Stephenville homeowners are priced on several interlocking factors that underwriters review when they build a quote. The deductible you choose and your claims history can move the final premium as much as the carrier brand itself, while rebuild cost, the roof’s age and material, and local storm or wildfire risk typically matter most.
Rebuilding the home with similar materials at current labor and material costs sets what replacement cost captures. Since the carrier’s top payout grows with the rebuild estimate, larger figures for Stephenville homes tend to push up premiums.
Construction type and roof details also matter: frame versus masonry walls, roof covering, and overall build quality all affect how a property holds up in the wind, hail, and fire events seen across Texas.
Location risk captures storm, hail, wildfire, and crime scores that can change by ZIP code and neighborhood within Stephenville, so two homes with similar rebuild costs can still get different prices.
Fire protection counts as well: a nearby hydrant, quick fire-station response, and a good protection class rating can each help pricing.
Insurers look at claims history closely; fresh claims tied to the home or the people in it tend to push rates up for Stephenville renewals and new policies.
Where state rules allow it, carriers may use a credit-based insurance score, and a better score tends to bring a lower premium.
What public data says about Stephenville homes
Tornadoes are part of the picture too: NOAA lists 1 tornado starting within 10 miles of Stephenville over 2016–2025, the most intense an EF1 in March 2016.
From 2000 on, Erath County has appeared in 9 major disaster declarations; the most recent is Severe Winter Storms (February 2021).
In FEMA’s National Risk Index, Erath County rates above the low end for tornado (“Relatively Moderate”), wildfire (“Relatively Moderate”), and strong-wind (“Relatively Moderate”).
Census survey estimates (ACS 2020–2024) show about 9,095 housing units in Stephenville, and homeowners occupy close to 44% of the occupied homes. By structure type, 57% are detached single-family houses, 32% are in buildings with two or more units, and 5.6% are mobile homes.
Half of Stephenville’s homes were built in or before 1984. Roughly 45% of homes were built before 1980, which means wiring, plumbing, and roof updates often come up in underwriting.
NOAA’s Storm Events Database lists 25 hail reports within about 5 miles of Stephenville from 2016 through 2025 (19 at one inch or more). The biggest was 2.75 inches in April 2023.
Occupied homes in Stephenville are heated mostly with electricity (72%) and utility gas (27%).
Stephenville’s recorded beginnings date to 1856. Census counts put Stephenville at 14,921 residents in 2000 and 17,123 in 2010, and the Census Bureau’s July 2024 estimate is 22,147. That is growth of roughly 48% since 2000.
Going further back, SPC data show 66 hail reports within 5 miles of Stephenville between 1955 and 2015, the largest 4.5 inches on April 26, 1994. 8 of those reports were 2 inches or larger. Federal tornado records from NOAA’s Storm Prediction Center list 13 tornadoes that began within 10 miles of Stephenville from 1950 through 2015; the most powerful, rated F2, touched down on April 28, 1971.
Shopping around the area? See our home insurance pages for Glen Rose (28 mi).
Stephenville-area ZIP codes we insure
76401
Stephenville, TX bundling home and auto
Illustrated average bundle savings, not guaranteed. Actual savings depend on carriers and drivers.
| Place | 1-car bundle | 2-car bundle | 3-car bundle |
|---|---|---|---|
| Stephenville, Texas | $258 | $436 | $636 |
See more Texas coverage options
Compare home insurance quotes for Stephenville, TX
Freedom Insurance Group compares 25+ carriers for Stephenville residents. To get started, start a free home quote online or dial (800) 253-1482.
