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Home Insurance in Joshua, TX
A practical plan for buying home insurance in Joshua: the records to pull, the limits to set and the local risks to price in.
A six-step plan for insuring a Joshua home
- Start with the appraisal record. Square footage and build year on file with the Johnson appraisal district (www.johnsoncad.com) feed straight into replacement-cost estimates, so check them for errors. The district office address is 109 N. Main St. Cleburne, TX 76033-4941.
- Set the dwelling limit from rebuild cost. The median owner-estimated home value in Joshua is $338,100. The Johnson County figure is lower, at $285,900. Your dwelling limit should be built from square footage, materials and local labor costs rather than what the house would sell for.
- Choose a wind and hail deductible. Over the ten years from 2016 to 2025, NOAA recorded 116 hail events across Johnson County. Of these, 99 reached at least one inch in diameter. The top report was 4-inch hail on June 12, 2023. A higher deductible lowers premium, but make sure you could pay it after a storm.
- Check the wind arrangement. TWIA does not write in Johnson County; wind and hail claims go through your regular homeowners policy, which may carry its own wind/hail deductible.
- Decide on flood coverage. FEMA lists Joshua as a participating NFIP community. The flood insurance rate map in effect was issued in September 2023. Flood coverage is far from universal: 510 residential NFIP policies in Johnson County, or about 1 per 124 homes. NFIP records show 37 flood claims in the county since 2016. A homeowners policy will not pay for rising water; flood is a separate policy, and NFIP coverage typically takes 30 days to begin. The FEMA Flood Map Service Center shows the flood zone for any address.
- Compare apples to apples. Compare roof settlement terms, deductibles and limits, not just premium. Texas Insurance Resources can shop multiple carriers for your Joshua home.
$4,813/yr
About $401/mo · ~$300k-$400k dwelling class
$2,666/yr
About $222/mo after modeled shopping discount
About 44.6% below local market estimate
Joshua data in one place
FEMA’s county-level National Risk Index puts Johnson County in the relatively moderate band overall. The highest-rated individual hazards are tornadoes (relatively high), hail (relatively moderate) and inland flooding (relatively moderate).
About Joshua
Joshua belongs to Johnson County. Johnson County forms part of the urban core of the Dallas-Fort Worth-Arlington metro. Head about 5 miles from Joshua and you reach Burleson, the nearest larger city.
In Joshua, 63% of occupied homes are lived in by their owners and 69% of units are detached houses. The median home in Joshua was built in 1997. 45% of local homes are from 2000 or later, compared with 16% built before 1980.
For local warnings, the responsible National Weather Service office is NWS Fort Worth/Dallas, TX. Radar coverage comes from the KFWS site.
FAQ: shopping in Joshua
Should I compare quotes every year in Joshua?
At least once a year at renewal. A new roof, security system or claim-free history can each change which carrier is cheapest.
Do I need a local agent for a Joshua home?
No. Joshua is about 5 miles southwest of Burleson, and carriers rate by address, not by where the agent sits. An independent agency can compare several carriers for your exact location by phone or online.
What is a typical savings range when switching?
On this page we model a 44.6% gap between the local market estimate and our estimate for Joshua. It is not a quote, and actual savings can be higher, lower or zero.
Are tornadoes covered on a Joshua home policy?
Yes. Tornadoes fall under the windstorm peril, so the wind and hail deductible applies. Johnson County had 7 tornadoes in NOAA’s 2016 to 2025 records, which is a good reason to check your dwelling, other-structures and debris-removal limits.
Get a Joshua home insurance quote
One call to 800-875-4711 or a short online form gets several carriers working on your quote.
Data sources and notes
Data reflects the most recent releases available in October 2026; survey figures carry margins of error. Price estimates near the top are Texas Insurance Resources models for comparison, not quotes or published averages.
- FEMA National Risk Index, Johnson County
- Texas Windstorm Insurance Association
- Census Bureau ACS five-year data, Joshua city: tenure, population, structure type, year built, home value, median year built
- FEMA Community Status Book
- NOAA NCEI storm reports, Johnson County
- Census CBSA delineation
- Census Gazetteer files
- County and state comparisons: Johnson County value, Johnson County build year
- OpenFEMA flood insurance data, Johnson County
- Texas property tax directory, Johnson County
- FEMA declared disasters, Johnson County
- Comptroller economic regions
- NWS Fort Worth/Dallas, TX