How Much Is Homeowners Insurance in Amarillo, TX? (2026)
In 2026, homeowners insurance in Amarillo averages about $620 a month, or roughly $7,440 a year, for a home with $250,000 of dwelling coverage. That's about 11% higher than the Texas average, and the reason is hail. How your home is built, especially the roof, can take a real bite out of that number.
Amarillo sits in one of the worst hail corridors in the country, so insurers price for it. But two homes on the same street can pay very different premiums, and a lot of that comes down to the roof and how new the house is. Here's what you'll pay, why, and how to bring it down.
What homeowners insurance costs in Amarillo right now
Per MoneyGeek's 2026 data, the average Amarillo homeowner pays about $620 a month, or $7,440 a year, on a $250,000 dwelling policy. That's 11% over the Texas statewide average of $560 a month.
Rates swing hard by company, though. The cheapest option in that study, Mercury, runs about $230 a month ($2,760 a year) for the same coverage, while State Farm, USAA, and Farmers tend to start north of $370 a month. So shopping matters, and so does the home you're insuring.
Why it costs so much here
The Panhandle gets hail, high wind, and tornadoes most springs and summers, and the 2024 wildfires burned more than a million acres across the region. Insurers pass that risk straight through to your premium.
There's also the wind and hail deductible, which catches a lot of new Amarillo buyers off guard. Most Texas policies set it as a percentage of your home's insured value, usually 1% to 2%, not a flat dollar amount. On a $400,000 home, a 2% wind-and-hail deductible means you cover the first $8,000 of a storm claim yourself before the policy pays anything.
The roof is your biggest lever
If one thing moves an Amarillo premium, it's the roof. A Class IV roof has the highest impact rating there is, built to take a hailstorm without failing, and insurers reward it. B&M's own home insurance page points out that carriers offer up to 30% off for homes with a Class IV impact-resistant roof. On the average $7,440 Amarillo premium, 30% is more than $2,000 a year back in your pocket.
How a B&M home lowers the bill
We build with Class IV impact-resistant roofs as standard, so that discount is on the table from day one. A new build helps in other ways too. It meets current building codes and carries less claim risk than an older house, and insurers price that in. Between the roof, the new construction, and modern energy-efficient systems, B&M puts the total savings as high as 50% off a typical premium. On Amarillo's average, that's the difference between roughly $7,400 and $3,700 a year.
If you're weighing an older resale against a new build, put the insurance gap in the math. It hits you every year you own the home, not just at closing. Our Sum of the Parts approach looks at build cost, insurance, and financing together for that reason, and you can see what we have going up now on our new construction homes in Amarillo page.
A few ways to lower your premium
Beyond the roof, a handful of things help:
Raise your deductible if you can cover it, and know your separate wind-and-hail number.
Get quotes from several carriers. The Amarillo spread above was more than $4,000 a year on the same house.
Ask specifically about impact-resistant roof and new-home discounts.
Keep small claims to a minimum so your rate stays low.
Frequently asked questions
How much is homeowners insurance in Amarillo, TX?
In 2026 it averages about $7,440 a year, or $620 a month, for $250,000 of dwelling coverage, roughly 11% above the Texas average. The cheapest carriers run closer to $2,760 a year.
Why is home insurance so expensive in Amarillo?
Hail, wind, and tornadoes. The Panhandle is one of the country's worst hail zones, so carriers charge more and add a separate wind-and-hail deductible.
Is a new home cheaper to insure?
Usually yes. New homes meet current codes and carry less risk, and a Class IV impact-resistant roof can earn up to 30% off on its own.
What is a wind and hail deductible?
It's a separate deductible for storm damage, set at 1% to 2% of your home's insured value. On a $400,000 home, 2% is $8,000 before the policy pays.
How can I lower my premium?
Shop several carriers, raise your deductible if you can, and buy or build a home with an impact-resistant roof.
Ready to own a home that costs less to insure?
Every B&M home is built with the roof and the codes that insurers reward, which means a lower premium every year you live there. We're glad to walk you through the numbers for a specific plan. Browse our move-in ready homes to start.
Call 806-557-3813 or contact us to get started today.
