Freedom Insurance Group serves Woodville, TX by providing side-by-side homeowners quotes from 25+ companies.
Getting to know Woodville, TX
Woodville counts about 2,478 residents and lies within Tyler County.
Woodville is not known for big-city tourism headlines, so for insurance the focus is local construction, fire protection access, and regional storm patterns.
Homes are mostly single-family houses typical of the Tyler County area; replacement cost, roof age, and construction type still drive most premium differences block by block.
North Texas homes are often rated for severe thunderstorms, hail, and tornado risk common across the Plains.
Home insurance pricing in Woodville, TX
The typical homeowners insurance premium in Woodville, TX is about $1,429 annually for a typical local home (typical local home value about $252,500). 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 37% lower — near $900 per year for a typical home, roughly $1,029 for a $300,000 home, about $1,448 for a $600,000 home, and around $1,884 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 Woodville dwelling curve (typical local home value about $252,500). Illustrated estimates, not a quote.
Figures are 2026 market-style estimates for Woodville, TX, using a typical local home value of about $252,500. Freedom figures apply an approximate 37% savings vs the local typical premium for illustration. Your quote depends on dwelling limit, roof, deductible, claims, and carrier. Not a guarantee.
What a standard home policy includes
- Coverage A, dwelling: Rebuilding funds for the home itself after a covered loss. Set it to follow reconstruction costs in your area.
- 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.
- Personal property (C): It protects furniture, clothing, and everyday belongings inside the home, with special limits that may apply to higher-value categories.
- Loss of use (D): This helps with additional living expenses when a covered claim makes the home unlivable for a while during repairs.
- Personal liability (E): It pays when you are legally on the hook for another person’s injury or property damage from a covered incident.
- Coverage F, medical payments: If a visitor is injured at your home, it helps with their medical bills, often without a formal liability claim.
Common discounts for Woodville, 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% |
Every insurer sets its own discount menu and sizes. Treat “up to” as the ceiling, not a promise.
Why Woodville home insurance premiums differ
A handful of connected factors go into what Woodville homeowners pay, and underwriters review them together when they build a quote. Look for rebuild cost, roof age and material, and local storm or wildfire exposure to matter most. Deductible choice and claims history can swing the final price as much as the carrier brand.
Think of replacement cost as what rebuilding would cost the home with comparable materials at present-day prices. The carrier’s exposure moves with the rebuild estimate, which is why higher figures for Woodville properties generally mean bigger premiums.
Whether walls are frame or masonry, the roof covering, and overall build quality all shape how the home holds up against the wind, hail, and fire common across Texas, so construction type and roof details carry weight.
Storm, hail, wildfire, and crime scores feed into location risk, and they vary by ZIP code and neighborhood in Woodville, so houses with comparable rebuild costs may still price differently.
A strong fire protection profile that reflects the protection class and nearby hydrants and stations tends to make pricing more competitive.
Underwriters review claims history on every quote; fresh claims on the property or household often push Woodville renewals and new quotes higher.
In states that allow it, companies can use a credit-based insurance score, and a better score generally leads to a lower price.
Woodville, TX home & auto bundle savings
The amounts shown illustrate average bundle savings, not a promise. Actual savings come down to carriers and drivers.
| Place | 1-car bundle | 2-car bundle | 3-car bundle |
|---|---|---|---|
| Woodville, Texas | $258 | $436 | $636 |
Housing and weather facts for Woodville
Woodville’s median year built is 1981. Roughly 49% of homes predate 1980, which means system and roof updates are worth documenting for a quote.
Since 2000, Tyler County has appeared in 14 major disaster declarations; the most recent is Hurricane Beryl (July 2024).
Home heating in Woodville runs mainly on electricity (62%) and utility gas (34%).
ACS 2020–2024 estimates put about 1,328 housing units in Woodville, and homeowners occupy about 55% of the occupied homes. Of all units, 70% are detached single-family houses, 23% are in buildings with two or more units, and 6.4% are mobile homes.
The NOAA Storm Events Database logged 3 hail reports within about 5 miles of Woodville from 2016 through 2025, 3 of them one inch or larger. Top size was 1.75 inches in May 2018 around Woodville.
Tornadoes are part of the picture too: NOAA lists 4 tornadoes touching down within 10 miles of Woodville over 2016–2025, the most intense an EF1 in March 2017.
The National Risk Index from FEMA shows elevated ratings for tornado (“Relatively Moderate”) and hurricane (“Relatively Moderate”) in Tyler County.
It takes its name from George Tyler Wood. Woodville’s population went from 2,415 at the 2000 Census to 2,586 at the 2010 Census, and the Census Bureau’s July 2024 estimate is 2,347. Numbers have held fairly steady since 2000.
Going further back, SPC data show 26 hail reports within 5 miles of Woodville between 1955 and 2015, the largest 2.75 inches on April 26, 1991. Reports of 2-inch or bigger hail number 1 in that span. The NOAA Storm Prediction Center database shows 6 tornadoes that began within 10 miles of Woodville from 1950 through 2015, the strongest an F2 on February 20, 1967.
Shopping around the area? See our home insurance pages for Jasper (27 mi).
ZIP codes we cover near Woodville
75979
