Independent agents comparing homeowners quotes from 25+ carriers for Wallis residents.
Home insurance prices in Wallis
The typical homeowners insurance premium in Wallis, TX is about $1,382 annually for a typical local home (typical local home value about $225,000). 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 $898 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 Wallis dwelling curve (typical local home value about $225,000). Illustrated estimates, not a quote.
Figures are 2026 market-style estimates for Wallis, TX, using a typical local home value of about $225,000. 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.
What makes Wallis, TX different
Wallis has roughly 1,294 residents, located in Austin County.
Wallis does not have big-city tourism headlines, so what matters for insurance is local construction, fire protection access, and regional storm patterns.
The housing stock is a mix of single-family homes typical of the Austin County area, and replacement cost, roof age, and construction type still drive most premium differences from street to street.
North Texas homes are often rated for severe thunderstorms, hail, and tornado risk typical of the Plains.
What a standard home policy includes
When a covered loss hits, this limit pays to rebuild your home’s structure; keep it in line with current local reconstruction costs.
A detached garage, a shed, a fence, or similar buildings that stand apart from the house fall here.
This coverage protects furniture, clothing, and everyday belongings inside the home, with special limits that apply to some higher-value categories.
This coverage can help with additional living expenses when a covered claim makes the home unlivable for a while during repairs.
Should you be held legally responsible for injuring another person or damaging their things after a covered incident, this coverage steps in.
This helps with guest medical bills for injuries that happen on your property, often without requiring a formal liability claim.
Common discounts for Wallis, 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% |
Discounts and their size differ from carrier to carrier. Read “up to” as the top end, not what everyone gets.
How Wallis home insurance prices vary
Wallis homeowners are priced on several related factors that underwriters check when they build a quote. The heaviest factors are typically rebuild cost, the roof’s age and material, and exposure to storms or wildfire; your deductible and claims record can swing the final premium as much as the carrier brand itself.
Replacement cost is what it would take to rebuild the home with similar materials at today’s prices for labor and supplies. The carrier’s exposure tracks the rebuild estimate, so higher figures for Wallis properties generally mean a higher price.
Whether walls are frame or masonry, what the roof is made of, and overall build quality all shape how the property fares in the wind, hail, and fire common across Texas, which is why construction type and roof details matter too.
Location risk explains why two comparable houses may not match on price: insurers grade storm, hail, wildfire, and crime risk down to ZIP code and neighborhood across Wallis.
A better fire protection score that reflects hydrant distance, station distance, and protection class tends to make pricing more competitive.
Claims history still matters a lot: for Wallis homes, a recent claim on the home or household can raise the premium at renewal and on new quotes.
In states that allow it, carriers may use a credit-based insurance score, and a stronger score usually means a lower premium.
Wallis, TX bundling home and auto
Illustrative average bundling savings, not a guaranteed quote. Actual savings vary with the carrier and the drivers.
| Place | 1-car bundle | 2-car bundle | 3-car bundle |
|---|---|---|---|
| Wallis, Texas | $258 | $436 | $636 |
What public data says about Wallis homes
The median home in Wallis was built in 1981. About 48% of homes predate 1980, so wiring, plumbing, and roof updates often come up in underwriting.
For heat, Wallis households mostly rely on electricity (68%), utility gas (22%), and propane or other bottled gas (8.9%). Wood stoves and propane tanks should be disclosed when you apply, because some carriers price or inspect them.
ACS 2020–2024 estimates put about 865 housing units in Wallis, and owner-occupants live in roughly 70% of the occupied homes. Looking at building types, 63% are detached single-family houses, 11% are in buildings with two or more units, and 26% are mobile homes.
No hail reports from 2016–2025 fall within about 5 miles of Wallis in NOAA’s database, but Austin County logged 10 hail reports countywide, with the largest at 2.5 inches.
Since 2000, Austin County has been part of 11 major disaster declarations; the latest was Hurricane Beryl (July 2024).
The National Risk Index from FEMA shows elevated ratings for tornado (“Relatively Moderate”) and strong-wind (“Relatively Moderate”) in Austin County.
Tornado history matters here as well: NOAA lists 2 tornadoes touching down within 10 miles of Wallis between 2016 and 2025, the strongest rated EF1 during August 2017.
The Census Bureau counted 1,172 people in Wallis at the 2000 Census and 1,252 at the 2010 Census; its July 2024 estimate is 1,360. Growth since 2000 comes to roughly 16%.
Older NOAA hail logs add more history: SPC data show 5 hail reports within 5 miles of Wallis between 1955 and 2015; the biggest stones, 1.75 inches, fell on August 12, 1996. The NOAA Storm Prediction Center database shows 5 tornadoes that began within 10 miles of Wallis from 1950 through 2015, the strongest an F1 on December 13, 1977.
Shopping around the area? See our home insurance pages for Fulshear (11 mi), Rosenberg (16 mi), and Katy (17 mi).
Wallis-area ZIP codes we insure
77485
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Wallis, TX homeowners quotes
Freedom Insurance Group compares 25+ carriers for Wallis residents. To get started, request a home quote on our site or call (800) 253-1482.
