Compare, with Freedom Insurance Group, homeowners insurance quotes for Waxahachie, TX. We compare 25+ carriers and work with you to match coverage to the home or vehicles you really own.
Average homeowners insurance cost in Waxahachie, TX
| Home value tier | Market est. | FIG illustrated |
|---|---|---|
| Typical local home (~$336,500) | $2,010 | $1,166 |
| $300,000 dwelling | $1,917 | $1,112 |
| $600,000 dwelling | $2,697 | $1,564 |
| $1,000,000 dwelling | $3,510 | $2,036 |
The typical homeowners insurance premium in Waxahachie, TX is about $2,010 annually for a typical local home (typical local home value about $336,500). 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 42% lower — near $1,166 per year for a typical home, roughly $1,112 for a $300,000 home, about $1,564 for a $600,000 home, and around $2,036 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 Waxahachie dwelling curve (typical local home value about $336,500). Illustrated estimates, not a quote.
Figures are 2026 market-style estimates for Waxahachie, TX, using a typical local home value of about $336,500. Freedom figures apply an approximate 42% savings vs the local typical premium for illustration. Your quote depends on dwelling limit, roof, deductible, claims, and carrier. Not a guarantee.
What makes Waxahachie, TX different
About 33,384 people live in Waxahachie in Ellis County.
Waxahachie is part of the Ellis County area, and there routine insurance shopping is shaped more by home characteristics and carrier appetite than by any single landmark.
Local housing is a mix of single-family homes typical of the Ellis County area, and replacement cost, roof age, and construction type still explain most premium differences from street to street.
Carriers rating North Texas homes commonly factor in severe thunderstorms, hail, and tornado risk common across the Plains.
Why Waxahachie home insurance prices vary
Waxahachie homeowners are priced on several related factors that underwriters review when they build a quote. Expect rebuild cost, roof age and material, and storm and wildfire exposure to matter most. Deductible choice and claims history can also shift the final price about as much as choosing one carrier over another.
Consider replacement cost as the price of rebuilding the house in like-kind materials at current labor and supply costs. What the insurer might pay tracks the rebuild estimate, which is why larger Waxahachie rebuild numbers tend to mean higher premiums.
Construction type and roof details play a role too: frame versus masonry walls, roof covering, and overall build quality shape how a property holds up in wind, hail, and fire that are common across Texas.
Location risk is the reason similar homes can price differently: carriers score storm, hail, wildfire, and crime risk by ZIP code and neighborhood in Waxahachie.
A strong fire protection score that reflects hydrant distance, station distance, and protection class can make the premium lower.
Carriers check claims history carefully; a recent loss on the property or household can push rates up for Waxahachie renewals and new policies.
Credit-based insurance score, where state rules allow it, is another input; better scores generally line up with lower prices when the carrier relies on it.
Discounts for Waxahachie, 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% |
Which discounts apply and how much they are worth depend on the carrier. “Up to” marks the top of the range, not a guarantee.
Home insurance coverage basics
- Dwelling (A): This limit pays to rebuild your home’s structure after a covered loss, and it should match local rebuilding costs today.
- Coverage B, other structures: This portion applies to detached features such as a garage, shed, fence, or similar buildings that sit apart from the main house.
- Coverage C, personal property: It protects furniture, clothing, and everyday belongings inside the home, with special limits that apply to some higher-value categories.
- Loss of use (Coverage D): 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 someone else’s injury or property damage in a covered incident, this coverage steps in.
- Coverage F, medical payments: When a guest gets hurt on your property, this can pay medical bills, usually without a liability claim being filed.
Waxahachie, TX home and auto bundling
The figures below illustrate 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 |
|---|---|---|---|
| Waxahachie, Texas | $258 | $436 | $636 |
Waxahachie neighborhoods
- W B Reinmiller House
- Porter L Williams House
- George C Dillon House
- J S Berry House
- Grove Park Terrace
- Lexington Arms
- Haleys Place Addition
- Camden Park
- Clift Estates
- The Oaks On Bryson
- Aspen Heights Daymark Living
- Blue Bonnet Trails
- Cottages On Cantrell
- River Oaks
- Gingerbread Village
- Cypress Creek at River Oaks
- Pine Meadows Estates
- Karsen Heights
- Massey Place
Housing and weather facts for Waxahachie
Half of Waxahachie’s homes were built in or before 2004. Roughly 39% of homes went up in 2010 or later, and age-of-home discounts come up often.
The National Risk Index from FEMA shows elevated ratings for hail (“Relatively High”), tornado (“Relatively Moderate”), and winter-weather (“Relatively Moderate”) in Ellis County.
Census survey estimates (ACS 2020–2024) show about 16,840 housing units in Waxahachie, and owner-occupants live in close to 60% of the occupied homes. Looking at building types, 72% are detached single-family houses and 24% are in buildings with two or more units.
For heat, Waxahachie households mostly rely on electricity (72%) and utility gas (26%).
The USGS GNIS lists these named communities and subdivisions in and around Waxahachie: Sardis, Ike, and Lone Elm. Older and newer sections can quote differently because of roof age, construction, and fire-station distance.
Since 2000, Ellis County has appeared in 8 major disaster declarations; the latest was Severe Storms, Straight-Line Winds, Tornadoes, and Flooding (May 2024).
NOAA storm records show 54 hail reports within about 8 miles of Waxahachie from 2016 through 2025, 44 of them one inch or larger. Top size was 3.75 inches in June 2023.
On tornadoes, NOAA lists 3 tornadoes touching down within 10 miles of Waxahachie in 2016–2025, with the strongest at EF2 in May 2021.
By the historical record, Waxahachie was founded in 1850. The Census Bureau counted 21,426 people in Waxahachie at the 2000 Census and 29,621 at the 2010 Census; its July 2024 estimate is 48,617. That is growth of roughly 127% since 2000.
Older NOAA hail logs add more history: NOAA’s Storm Prediction Center counts 56 hail reports within 5 miles of Waxahachie between 1955 and 2015, the largest 3 inches on October 17, 1993. 4 of those reports were 2 inches or larger. The NOAA Storm Prediction Center database shows 23 tornadoes that began within 10 miles of Waxahachie from 1950 through 2015; the strongest was an EF3 on December 26, 2015. NOAA ties that tornado to 46 injuries.
Comparing homes in nearby towns? Nearby home insurance pages: Oak Leaf (7 mi), Red Oak (8 mi), and Midlothian (10 mi).
ZIP codes we serve in and around Waxahachie
75165 · 75167 · 75168 · 76065
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Freedom Insurance Group compares 25+ carriers for Waxahachie residents. Phone (800) 253-1482 or request a home quote online.
