Home / Texas Home Insurance Locations / Azle
Home Insurance in Azle, TX
Half of the homes in Azle were built in 1987 or earlier. Here is how the local housing stock shapes coverage and price.
What Azle housing looks like
Owners live in 68% of occupied homes, and detached single-family houses account for about 77% of the stock.
Why build year matters in Azle
Half of the housing in Azle dates from 1987 or earlier, per Census estimates. 33% of local homes are from 2000 or later, compared with 34% built before 1980. For homes in this age range, carriers mostly focus on the roof: its age, material and any prior hail repairs.
$5,069/yr
About $422/mo · ~$300k-$400k dwelling class
$2,955/yr
About $246/mo after modeled shopping discount
About 41.7% below local market estimate
Market value versus rebuild cost in Azle
Owners in Azle put the median value of their homes at $287,100. That is close to the Tarrant County median of $323,900. Keep in mind that Coverage A should follow rebuilding cost, not sale price, since the lot itself does not burn or blow away.
Coverage A through F for a Azle home
The structure limit. It should equal what it would cost to rebuild at current labor and material prices.
Anything not attached to the house, such as fences, carports and barns.
Furniture, clothing and electronics. Replacement-cost settlement pays more than actual cash value after a loss.
Extra living costs if a covered loss forces you out during repairs.
Legal defense and damages if someone is hurt on your property or you damage someone else’s.
No-fault medical payments for visitors, usually a few thousand dollars.
Weather backdrop for Azle
FEMA’s National Risk Index rates overall natural-hazard risk in Tarrant County as relatively high. The individual hazards that stand out are hail (very high), tornadoes (very high) and winter weather (very high). Hail turned up 465 times in Tarrant County in NOAA’s database between 2016 and 2025. Stones of one inch or more showed up in 380 of the reports. On June 12, 2023, observers reported hail as large as 5 inches.
TWIA does not write in Tarrant County; wind and hail claims go through your regular homeowners policy, which may carry its own wind/hail deductible. You can check your flood zone by address at the FEMA Flood Map Service Center.
Records to check before you quote
Your property record, including square footage and year built, is on the Tarrant appraisal district site at www.tad.org (phone 817-284-0024). The district office address is 2500 Handley-Ederville Rd. Fort Worth, TX 76118-6909.
Azle crosses into Parker County, but Tarrant County contains most of it, so that is the county used for the data below. Tarrant County is a central county of the Dallas-Fort Worth-Arlington metropolitan area. Measured point to point, Azle sits roughly 14 miles northwest of Fort Worth.
Common questions from Azle homeowners
Why do insurers ask when my Azle home was built?
Half the homes were built by 1987, and roughly 34% are pre-1980, according to the Census Bureau. Expect carriers to ask about roof age and any past hail repairs.
What is a typical savings range when switching?
The estimate cards above model about 41.7% below the local market figure for Azle. Treat it as illustrative; your quote depends on the home, roof, claims history and deductible.
What home details should I have ready for a Azle quote?
The Tarrant appraisal district website (www.tad.org) lists square footage, year built and improvements for your property. Have those, plus your roof’s age and material, ready before you compare quotes.
How much dwelling coverage do Azle homes need?
Enough to rebuild, which is not the same as market value. Census data puts the Azle median at $287,100, but your dwelling limit should equal what it would cost to rebuild the house at today’s labor and material prices.
Ready to price your Azle home?
Texas Insurance Resources shops multiple carriers for you. Call 800-875-4711 or start online.
Sources and methodology
All public data on this page was pulled in October 2026. Census numbers are survey estimates. The two price cards are modeled estimates from Texas Insurance Resources, not quotes.
- TWIA eligibility
- Comparison figures: Tarrant County value, Tarrant County build year
- Comptroller CAD listing, Tarrant County
- FEMA National Risk Index, Tarrant County
- Comptroller 2024 regions
- NOAA Storm Events Database, Tarrant County
- Census CBSA delineation
- Census Gazetteer coordinates
- Census ACS 2020–2024, Azle city: median year built, tenure, structure type, year built, population, home value