The average annual cost of home insurance in Texas is $4,786 according to the latest data available from the Consumer Federation of America. However, Fort Worth residents may see slightly higher rates due to the region’s regular hailstorms, strong winds, and periods of extreme heat that can cause structural wear over time. The city's proximity to tornado-prone zones also plays a role in elevated insurance costs.

How much you pay for coverage will depend on several factors, including your property and claims history. Getting a few quotes can help you determine the average cost to cover your property.

Several owner, property-specific factors contribute to the cost of home insurance in Fort Worth:

• Replacement cost value of the property

• Risk of hail damage and wind-related losses during storm season

• Condition and age of your roof, including its resistance to high winds

• Age and structural integrity of the home

• Access to emergency services, such as fire stations and hydrants

• Policyholder’s insurance-based credit score

• Local crime rates that may affect vandalism and theft coverage

• Past insurance claims filed for the home or surrounding properties

• Dwelling coverage. Should cover the cost to rebuild your home based on current Fort Worth construction costs.

• Other structures coverage. Usually set to at least 10% of your dwelling coverage, this can pay for fences, carports, detached garages, and similar external structures. 

• Personal property coverage. Typically calculated at 50–70% of the dwelling amount to protect your belongings inside the home.

• Liability insurance. Should provide enough financial protection to safeguard your assets, such as real estate, savings, investment accounts, and other valuables, in the event of a lawsuit or accidental injury.

• Medical payments coverage. Typically $1,000 to $5,000 to cover small, no-fault payments to cover minor guest injuries on your property.

While a standard homeowners policy offers wide protection, some types of damage remain excluded.

• Flooding, which requires separate flood insurance

• Termites, carpenter ants, and other pests

• Foundation cracking, unless caused by a covered peril

• Most instances of mold, mildew, or rot

• Cost to replace systems, materials, or components compromised by normal wear and tear

Fort Worth’s susceptibility to hailstorms, heavy rains, and foundation movement makes these optional coverages valuable:

• Water backup endorsements for sewer or drain overflows

• Extended replacement cost coverage

• Ordinance or law insurance for homes that may need code-compliant updates

• Flood insurance

The state of Texas does not require homeowners to carry insurance, but most mortgage lenders will require proof of a valid home insurance policy before issuing a loan. For properties in areas at high risk of wind or severe weather damage, additional protections like windstorm or roof-specific coverage may also be requested by lenders. 

Even if you own your home outright, keeping a comprehensive policy in place is one of the most effective ways to protect your finances and property from unexpected events such as fire, theft, or legal liability.