White Settlement households can compare homeowners coverage without the runaround through Freedom Insurance Group. Ask for a quote online or phone (800) 253-1482.
Home insurance premiums in White Settlement, TX
| Scenario | Market estimate | FIG illustrated (38% less) |
|---|---|---|
| Typical White Settlement home (~$187,100) | $1,555/yr | $964/yr |
| $300,000 dwelling | $1,917/yr | $1,189/yr |
| $600,000 dwelling | $2,697/yr | $1,672/yr |
| $1,000,000 dwelling | $3,510/yr | $2,176/yr |
The typical homeowners insurance premium in White Settlement, TX is about $1,555 annually for a typical local home (typical local home value about $187,100). 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 38% lower — near $964 per year for a typical home, roughly $1,189 for a $300,000 home, about $1,672 for a $600,000 home, and around $2,176 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 White Settlement dwelling curve (typical local home value about $187,100). Illustrated estimates, not a quote.
Figures are 2026 market-style estimates for White Settlement, TX, using a typical local home value of about $187,100. Freedom figures apply an approximate 38% savings vs the local typical premium for illustration. Your quote depends on dwelling limit, roof, deductible, claims, and carrier. Not a guarantee.
Why White Settlement home insurance prices vary
Insurers put together a White Settlement home quote from several connected factors. Most of the price comes from rebuild cost, the roof’s age and material, and local storm or wildfire exposure; deductible choice and claims history can change the final premium as much as the company you choose.
Replacement cost is a straightforward idea: how much would it take to rebuild this home today, with similar materials, at current labor and supply prices? A bigger rebuild figure on a White Settlement home, the price tends to climb, since the carrier could owe more.
Construction type and roof details play a role too: frame versus masonry walls, roofing material, and overall build quality all influence how a property holds up in the wind, hail, and fire events seen across Texas.
Location risk is the reason two comparable houses may not match on price: carriers score storm, hail, wildfire, and crime risk down to ZIP code and neighborhood in White Settlement.
Fire protection matters as well: a hydrant close by, quick fire-station response, and a strong protection class can each help pricing.
A recent claim on the house or by anyone in the household may lift rates on White Settlement renewals and new quotes alike, since claims history still weighs heavily.
Credit-based insurance score, where permitted by state rules, is another lever; higher scores typically bring lower prices when the carrier relies on it.
White Settlement, TX: local context
White Settlement is home to about 17,077 residents in Texas.
White Settlement sits in Texas, and there day-to-day insurance shopping is shaped more by home characteristics and carrier appetite than by any single landmark.
The housing stock is a mix of single-family homes typical of Texas, and replacement cost, roof age, and construction type still account for most premium differences from street to street.
Homes in North Texas are often rated for severe thunderstorms, hail, and tornado risk shared across the Plains.
Ways to cut the premium in White Settlement, 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% |
Each carrier chooses its own discounts and amounts. “Up to” marks the top of the range, not a promise.
What a standard home policy includes
- Coverage A, dwelling: When a covered loss hits, this limit covers rebuilding the house itself; keep it in line with what rebuilding costs in your area today.
- Other structures (Coverage B): This part protects detached features such as a garage, shed, fence, or similar buildings that are not attached to the main house.
- Personal property (Coverage C): Covers the contents of the home: furniture, clothing, and everyday items. Pricier categories often carry sublimits.
- Loss of use (D): It can help pay additional living expenses when a covered claim makes the home uninhabitable for a time during repairs.
- Personal liability (Coverage E): This applies when you are legally responsible for harm to other people or their property arising from a covered incident.
- Coverage F, medical payments: It can help pay guest medical bills for injuries that happen on your property, often without needing a formal liability claim.
White Settlement, TX home and auto bundling
Average bundle savings, illustrated, not a quote. Actual savings vary with the carriers and drivers involved.
| Place | 1-car bundle | 2-car bundle | 3-car bundle |
|---|---|---|---|
| White Settlement, Texas | $258 | $436 | $636 |
White Settlement housing stock and storm history
Tornado history matters here as well: NOAA recorded 8 tornadoes touching down within 10 miles of White Settlement over 2016–2025, the most intense an EF1 in December 2022.
For heat, White Settlement households mostly rely on electricity (74%) and utility gas (24%).
The NOAA Storm Events Database logged 31 hail reports within about 5 miles of White Settlement from 2016 through 2025, 25 of them one inch or larger. Top size measured 3 inches in October 2019.
Half of White Settlement’s homes were built in or before 1973. Roughly 61% of homes were built before 1980, so system and roof updates are worth documenting for a quote.
Since 2000, Tarrant County has been part of 8 major disaster declarations; the latest is Severe Winter Storms (February 2021).
Census survey estimates (ACS 2020–2024) show about 7,485 housing units in White Settlement, and owner-occupants live in about 61% of the occupied homes. By structure type, 66% are detached single-family houses and 30% are in buildings with two or more units.
FEMA’s National Risk Index flags hail (“Very High”), tornado (“Very High”), wildfire (“Relatively Moderate”), and winter-weather (“Very High”) in Tarrant County.
The Census Bureau counted 14,831 people in White Settlement at the 2000 Census and 16,116 at the 2010 Census; its July 2024 estimate is 18,099. That works out to about 22% more residents than in 2000.
Earlier hail records help too: NOAA’s Storm Prediction Center counts 80 hail reports within 5 miles of White Settlement between 1955 and 2015, topped by hail of 4.5 inches on April 28, 1989. 9 of those reports were 2 inches or larger. The NOAA Storm Prediction Center database shows 35 tornadoes that began within 10 miles of White Settlement from 1950 through 2015; the strongest was an F3 on March 28, 2000. NOAA ties that tornado to 2 deaths and 80 injuries.
Comparing homes in nearby towns? Nearby home insurance pages: Benbrook (5 mi), Fort Worth (7 mi), and Aledo (9 mi).
White Settlement-area ZIP codes we insure
76108 · 76116
Neighborhoods around White Settlement
- Sunview
- Oak Timbers
- Townhouse West
- Enclave At Sunview
- The Stella
- Palladium Fort Worth
- Tremont Terrace
- The Carmen
- Western Hills North
- New Leaf Communities – Camp Bowie
- Carriage Square
See more Texas insurance resources
Compare home insurance quotes in White Settlement, TX
Freedom Insurance Group shops 25+ carriers for White Settlement residents. Start a free home quote online or phone (800) 253-1482.
