If you're buying a home in Burleson or already own one, you've probably noticed something unsettling about your insurance premiums. They're higher than you expected, and they seem to climb every year. Here's why: Burleson sits squarely in one of Texas's most active severe weather zones. This growing DFW suburb, straddling Johnson and Tarrant Counties just 14 miles south of Fort Worth, has everything families love—new neighborhoods, excellent schools, and a small-town feel. But it also has something insurance companies worry about: hail and tornadoes.
Understanding how home insurance works in Burleson means understanding the weather risks you face, how insurers price those risks, and what you can do to protect both your home and your wallet. Let's break it down in plain terms.
Why Burleson Home Insurance Costs What It Does
Burleson homeowners pay an average of $2,937 per year for home insurance—below the Texas state average of around $4,585, but still significantly higher than the national average. The difference? Weather. Texas led the nation in 2024 with 169 tornadoes and 878 major hail events. Over 180,000 Texas homes were damaged by hailstones larger than 2 inches in a single year. When your city sits in the path of these storms year after year, insurers adjust their pricing accordingly.
Hail and wind damage account for roughly 40% of all homeowners insurance claims filed in Texas. The average hail claim runs between $11,000 and $15,000, covering roof damage, broken windows, damaged siding, and destroyed HVAC equipment. That's not pocket change—and insurance companies know Burleson homes face this risk every spring and early summer when severe thunderstorms roll through North Texas.
There's another trend making things trickier: insurance companies are getting pickier about who they'll cover. Non-renewal complaints in Texas more than doubled from 79 in 2023 to 190 in 2024, with many homeowners losing coverage specifically because of hail risk. If your roof is aging or you've filed previous claims, you might find yourself shopping for a new insurer whether you want to or not.
What Your Burleson Home Insurance Policy Should Cover
A standard Texas homeowners policy includes several key components. Dwelling coverage protects the structure of your home—your walls, roof, foundation, and attached structures like your garage. This is the big one. If a tornado tears through or baseball-sized hail punches holes in your roof, dwelling coverage pays to repair or rebuild. Most lenders require you to carry enough dwelling coverage to rebuild your home entirely, which in Burleson's newer developments often means $300,000 to $400,000 in coverage.
Personal property coverage protects your belongings—furniture, electronics, clothing, appliances. It's typically calculated as a percentage of your dwelling coverage, usually 50-70%. Liability coverage is equally important. If someone gets hurt on your property and sues you, liability coverage handles legal costs and settlements. Most policies start at $100,000, but many experts recommend increasing this to $300,000 or $500,000, especially if you have assets to protect.
Here's the catch with wind and hail coverage in Burleson: you'll likely have a separate deductible for these perils. Unlike your standard deductible (say, $1,000), wind and hail deductibles are typically 1-2% of your home's insured value. On a $300,000 home, that's $3,000 to $6,000 you'll pay out of pocket before insurance kicks in. It's a big number, but it's how insurers manage risk in high-exposure areas like North Texas.
One coverage standard policies don't include? Flood insurance. Burleson's proximity to creeks and the occasional heavy rainfall from severe storms means flooding is a real possibility. Flood insurance is sold separately through the National Flood Insurance Program or private insurers, and it's worth considering even if you're not in a designated flood zone. Many Burleson homeowners learned this lesson the hard way during unexpected flash floods.
How Burleson's Growth Affects Your Insurance Options
Burleson is booming. The city's population reached 58,316 in 2025, growing at 3.67% annually—faster than 91% of similarly sized cities. Since 2000, Burleson has grown by 151.3%, with new neighborhoods springing up across northern Johnson County. For homebuyers, this means plenty of new construction with modern building codes, impact-resistant roofing materials, and updated electrical and plumbing systems.
If you're buying a newer home in Burleson, you're in luck from an insurance perspective. Insurers love new construction. Modern homes with impact-resistant shingles, storm-rated windows, and reinforced garage doors qualify for significant discounts—sometimes 10-20% off your premium. Homes built to current wind-resistance standards fare better in storms, which means fewer claims and lower costs for both you and your insurer. Some neighborhoods even have community features like monitored security systems that can shave additional dollars off your bill.
Older homes, on the other hand, face steeper premiums. If your roof is more than 10-15 years old, expect insurers to either charge more, require an inspection, or offer you actual cash value coverage instead of replacement cost. That means instead of getting a new roof after hail damage, you'd get what your old roof was worth—depreciated and often not enough to fully replace it. Upgrading an older roof before you shop for insurance can actually save you money in the long run.
Smart Strategies to Lower Your Burleson Home Insurance Costs
You can't control the weather, but you can control some of the factors that determine your premium. Start with your deductible. Raising your standard deductible from $1,000 to $2,500 can lower your premium by 10-15%. Just make sure you have enough cash on hand to cover that higher deductible if disaster strikes.
Bundling your home and auto insurance with the same company typically saves you 15-25% on both policies. Insurers reward loyalty and consolidated business, so if you're shopping for home insurance, get quotes that include your auto policy too. You might also qualify for discounts if you're a non-smoker, have a security system, install smart home devices, or maintain a claims-free history for several years.
Consider the Texas FAIR Plan if you're struggling to find coverage. This is the state's insurer of last resort, designed for homeowners who can't get coverage in the standard market. It's more expensive than traditional insurance, but it's better than going uninsured. The FAIR Plan is growing rapidly, with projections showing nearly 285,000 policies by the end of 2025. It's not ideal, but it's a safety net for high-risk properties or homeowners with challenging insurance histories.
Finally, shop around every year or two. Insurance companies adjust their risk models constantly, and a carrier that wouldn't touch you two years ago might now be competitive. Use independent agents who can quote multiple companies at once, or use online comparison tools. Given how quickly the Texas insurance market is changing, the company offering the best rate today might not be the best option next year.
Getting Started with Home Insurance in Burleson
Before you start getting quotes, gather some basic information about your home. You'll need the year it was built, the square footage, the roofing material and age, whether you have a security system, and your claims history from the past five years. If you're buying, your home inspection report will have most of this information. If you already own your home, your current policy documents and property tax records should cover it.
Get at least three quotes from different companies. Rates for the same home in Burleson can vary by $500 to $1,500 annually depending on the insurer. Look beyond the premium—compare the deductibles, coverage limits, and exclusions. A cheaper policy might have a 2% wind/hail deductible instead of 1%, which could cost you thousands more out of pocket after a storm.
Ask about wind and hail deductibles specifically. Some insurers offer percentage deductibles, while others offer flat dollar amounts. Understand exactly what you'd pay if a hailstorm hits. Also ask about replacement cost coverage versus actual cash value. Replacement cost is worth the slightly higher premium—it means you get a new roof, not a check for what your 15-year-old roof was worth.
Finally, document your home and belongings now, before you need to file a claim. Take photos or video of every room, your roof, your appliances, and any valuable items. Store these records somewhere off-site—in the cloud or with a trusted family member. When a tornado warning sends you to the closet or a hailstorm pounds your roof at 2 a.m., you'll be glad you did. Burleson is a wonderful place to call home, but being prepared for North Texas weather is just part of living here.
