Homeowners Insurance in Fort Worth, TX

For a home at Fort Worth's median value of $303,000, we estimate about $3,095 a year — +8% versus the Texas NAIC average of $2,864.

These are estimates, not quotes. Home figures are modeled from NAIC state averages, Census home values and FEMA hazard ratings for comparison only. We are not an insurance company or agency. How we estimate

Estimated homeowners insurance cost in Fort Worth

Est. premium

$3,095

$258/mo · median home

Median home value

$303,000

Texas: $283,800

Median year built

1994

Census ACS

Owner-occupied

57.0%

of households

Hazard score

91.8

state ref. 87.6

Fort Worth's estimate reflects its home values (7% higher than the state median) and FEMA's hazard profile for Tarrant County.

Natural hazard risk in Fort Worth

FEMA National Risk Index — Tarrant County
Hazard	Risk rating	Score (0–100)	Insurance impact
Hail	Very High	100.0	Comprehensive (car); roof claims (home)
Tornado	Very High	99.9	Comprehensive; dwelling
Hurricane	Relatively Low	72.3	Comprehensive; wind/hurricane deductibles (home)
Inland (river) flooding	Relatively High	99.1	Comprehensive; home needs a separate flood policy
Coastal flooding	Not rated	—	Comprehensive; home needs a separate flood policy
Strong wind	Relatively Moderate	82.8	Comprehensive; dwelling
Winter weather	Very High	97.3	Collision (icy roads); frozen pipes (home)
Wildfire	Relatively Moderate	91.5	Comprehensive; dwelling
Earthquake	Relatively Low	88.3	Home needs a separate earthquake policy
Lightning	Relatively High	95.2	Fire and electrical damage

Scores are national percentiles of FEMA's county risk (higher means more expected loss than most other U.S. counties).

Estimated premium by home value in Fort Worth

Dwelling value	Wood frame	Brick / masonry
$200,000	$2,220	$2,040
$300,000	$3,070	$2,825
$500,000	$4,620	$4,250
$750,000	$6,390	$5,875

Home Insurance Estimator

Estimated annual premium

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Homeowners insurance by ZIP code in Fort Worth

ZIP	Median home value	Owner-occupied	Est. premium
76244	$391,200	68.0%	$3,795
76137	$310,900	58.6%	$3,160
76131	$343,100	73.3%	$3,415
76133	$238,900	62.1%	$2,560
76119	$160,400	54.7%	$1,860
76116	$305,800	36.7%	$3,115
76112	$225,900	48.7%	$2,445
76123	$310,500	76.7%	$3,155
76106	$172,400	48.4%	$1,970
76052	$441,800	84.4%	$4,185
76110	$258,000	62.4%	$2,720
76040	$297,900	43.7%	$3,050
76107	$431,200	44.1%	$4,105
76134	$239,000	59.8%	$2,560
76114	$222,600	53.4%	$2,415
76132	$396,200	33.0%	$3,835
76109	$630,800	52.5%	$5,560
76177	$376,000	46.4%	$3,675
76105	$153,600	49.3%	$1,795
76120	$306,700	52.8%	$3,125
76111	$216,400	56.7%	$2,365
76104	$162,700	36.9%	$1,880
76115	$150,600	46.8%	$1,770
76135	$275,100	60.9%	$2,865
76118	$326,400	73.1%	$3,285
76103	$205,000	61.5%	$2,265
76164	$162,700	60.1%	$1,880
76102	$296,600	20.6%	$3,040

Homeowners insurance in Texas · Car insurance in Fort Worth · Insurance offices near Fort Worth

Frequently asked questions

How much is homeowners insurance in Fort Worth?

For a home at Fort Worth's median value of $303,000, we estimate about $3,095 a year for a standard HO-3 policy with a $1,000 deductible. The Texas NAIC average is $2,864.

What are the biggest natural hazards in Fort Worth?

FEMA's National Risk Index rates Tarrant County relatively high or very high for hail, tornado, inland (river) flooding, winter weather, and lightning.

Does the age of homes in Fort Worth affect insurance?

Yes. The median home in Fort Worth was built in 1994 (Census ACS). Older roofs, wiring and plumbing can raise premiums or require inspections, while updates often earn discounts.

How we estimate this

We start from the NAIC average homeowners (HO-3) premium for Texas, scale it by the ratio of the dwelling value to the state median home value, adjust for construction type and deductible, and apply a hazard factor from FEMA National Risk Index scores for Tarrant County relative to the state. Results are rounded estimates, not quotes. Read the full methodology.

Sources used on this page