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Texarkana, TX: local context
Texarkana has about 37,280 residents, located in Bowie County.
Texarkana sits in the Bowie County area, and there day-to-day insurance shopping is driven more by the features of each home and carrier appetite than by any single landmark.
Local housing is largely single-family homes typical of the Bowie County area, but replacement cost, roof age, and construction type still drive most premium differences from one house to the next.
Carriers rating North Texas homes commonly factor in severe thunderstorms, hail, and tornado risk common across the Plains.
What homeowners pay in Texarkana
The typical homeowners insurance premium in Texarkana, TX is about $1,302 annually for a typical local home (typical local home value about $171,500). 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 40% lower — near $781 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 Texarkana dwelling curve (typical local home value about $171,500). Illustrated estimates, not a quote.
Figures are 2026 market-style estimates for Texarkana, TX, using a typical local home value of about $171,500. 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.
Homeowners policy coverages, A through F
- Dwelling (A): This is the limit that pays to rebuild the structure of your home after a covered loss, and it should keep pace with local rebuilding costs today.
- Other structures (Coverage B): It covers detached features such as a garage, shed, fence, or similar buildings that sit apart from the main house.
- Coverage C, personal property: Furniture, clothing, and the other things you own indoors are protected, though some higher-value categories carry special sublimits.
- Coverage D, loss of use: This helps with additional living expenses when a covered claim makes the home temporarily unlivable during repairs.
- Personal liability (Coverage E): If you are legally responsible for bodily injury or property damage to others after a covered incident, this part responds.
- Coverage F, medical payments: When a guest gets hurt on your property, it helps with their medical bills, usually without a liability claim being filed.
Ways to cut the premium in Texarkana, 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% |
Every insurer chooses which discounts it offers and how large they are. Treat “up to” as the ceiling, not a promise.
How Texarkana home insurance premiums differ
Texarkana homeowners are priced on several related 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 choice of carrier, but rebuild cost, roof age and material, and storm or wildfire exposure tend to dominate.
Replacement cost comes down to a simple question: how much would it take to rebuild the house today, with similar materials, at current labor and supply prices? The carrier’s exposure follows the rebuild estimate, so larger Texarkana rebuild numbers usually mean bigger premiums.
Construction type and roof details matter as well: carriers want to know whether walls are frame or masonry, the roof covering, and how solidly the home is built, since these factors decide how it handles the wind, hail, and fire seen across Texas.
Scores for storms, hail, wildfire, and crime feed into location risk, and they can shift from one Texarkana ZIP code or neighborhood to the next, so homes with similar rebuild costs can still get different prices.
A strong fire protection score that reflects the protection class and nearby hydrants and stations tends to make the premium lower.
Recent claims on the property or by the household may lift the price for Texarkana renewals as well as new policies, because claims history remains a major rating input.
Credit-based insurance score, where state rules allow it, is another input; stronger scores usually correlate with lower prices when the carrier uses it.
What public data says about Texarkana homes
For heat, Texarkana households mostly rely on electricity (52%) and utility gas (46%).
The National Risk Index from FEMA shows elevated ratings for hail (“Relatively High”), tornado (“Relatively High”), winter-weather (“Relatively Moderate”), and strong-wind (“Relatively Moderate”) in Bowie County.
NOAA’s Storm Events Database lists 14 hail reports within about 7 miles of Texarkana from 2016 through 2025, 7 of them one inch or larger. The biggest measured 1.25 inches in September 2022 around South Texarkana.
Tornado history matters here as well: NOAA lists 2 tornadoes touching down within 10 miles of Texarkana in 2016–2025, with the strongest at EF1 during July 2024.
Texarkana’s median year built is 1979. Roughly 52% of homes were built before 1980, so wiring, plumbing, and roof updates can change eligibility and price.
From 2000 on, Bowie County has been part of 10 major disaster declarations; the most recent was Hurricane Beryl (July 2024).
Named places the USGS records in and around Texarkana include Wake Village, Nash, and Whatley. Rates can still differ from one section to the next based on build era, roof, and fire protection.
The Census Bureau’s 2020–2024 American Community Survey counts about 16,482 housing units in Texarkana, and homeowners occupy roughly 52% of the occupied homes. Looking at building types, 65% are detached single-family houses and 32% are in buildings with two or more units.
Texarkana traces its official start to 1873. Texarkana’s population went from 34,782 at the 2000 Census to 36,411 at the 2010 Census, and the Census Bureau’s July 2024 estimate is 35,971. The population has stayed fairly steady since 2000.
Earlier hail records help too: SPC data show 105 hail reports within 5 miles of Texarkana between 1955 and 2015, the largest 2.75 inches on April 22, 1978. 5 of those reports were 2 inches or larger. NOAA Storm Prediction Center records list 23 tornadoes that began within 10 miles of Texarkana from 1950 through 2015; the strongest was an F3 on November 1, 1977.
Texarkana-area ZIP codes we insure
75501 · 75503 · 75505 · 75599
Home-and-auto bundles in Texarkana, TX
The figures below show average bundling savings, not a quote. Actual savings come down to carriers and drivers.
| Place | 1-car bundle | 2-car bundle | 3-car bundle |
|---|---|---|---|
| Texarkana, Texas | $258 | $436 | $636 |
More Texas insurance guides
Quote homeowners coverage for Texarkana, TX
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