Northlake, TX

Meadowlark at Wildflower Ranch Apartments: Renters Insurance Guide & What It Actually Costs

Last updated Apr 15, 2026

Thinking about renting at Meadowlark at Wildflower Ranch Apartments in Northlake? Rent here runs $2,533 – $3,300, and renters insurance adds about $13/mo. Below we break down which carriers are cheapest for this building and what the lease actually requires.

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1320 Water Canna Dr, Northlake, TX 76247

Northlake

Managed by Greystar Built 2025 2 stories 129 units
5/5 ·6 reviews Google
Apt. Finder
$2,533 – $3,300 /month

Monthly Cost Breakdown at Meadowlark at Wildflower Ranch Apartments

The listed rent isn't the whole number. Here's what Meadowlark at Wildflower Ranch Apartments actually costs each month once you add required fees and insurance.

Total Monthly Cost $3,051 – $3,818
Base Rent $2,533 – $3,300
Required Monthly Fees $505
Est. Renters Insurance $13/mo

Renters Insurance at Meadowlark at Wildflower Ranch Apartments

What Affects Your Premium Here

Every building is different. These factors specific to Meadowlark at Wildflower Ranch Apartments can push your insurance cost up or down:

Open Access

No gated or controlled access — higher theft exposure

Dog-Friendly

Dogs allowed — consider higher liability coverage

FEMA Flood Zone

Zone X — minimal flood risk

FBI UCR

Property crime rate: 1286/100K (19% below national average)

What You'll Likely Pay

$13

Est. Monthly

$155

Est. Annual

$14

State Avg/mo

How Much Coverage Makes Sense

Renters insurance has two main pieces: personal property coverage, which pays to replace your belongings if they're stolen or damaged (think furniture, electronics, clothes), and liability coverage, which protects you if someone gets hurt in your unit or you accidentally damage someone else's property. Here's what we'd recommend for Meadowlark at Wildflower Ranch Apartments based on the rent level and building features.

Personal Property

What your stuff is worth

$50,000 recommended

If you own less

$35,000

If you own more

$75,000

Liability

Covers accidental harm & lawsuits

$300,000 recommended

Dog-friendly community — higher liability recommended for pet-related incidents

How Carriers Compare for This Area

Not all carriers price the same zip code equally. Here's how the major options stack up near Meadowlark at Wildflower Ranch Apartments:

Carrier Monthly Annual
Lemonade $8/mo $96/yr
USAA $9/mo $108/yr
State Farm $12/mo $144/yr
Progressive $13/mo $156/yr
Safeco $13/mo $156/yr
Travelers $14/mo $168/yr
Allstate $15/mo $180/yr
Nationwide $15/mo $180/yr
Farmers $16/mo $192/yr
Liberty Mutual $18/mo $216/yr

Discounts You May Qualify For

Claims-free (if applicable)
-10%
Pay-in-full annual
-7%
Paperless/autopay
-3%
Multi-policy bundle
-10%

Next Step

See if you can beat $13/mo

4 discounts may apply here. Real quotes show your actual price — estimates can't.

Compare Quotes Free · No account required

Property Crime & Theft Risk

Renters insurance pricing is driven by property crime — theft, burglary, and vehicle break-ins — not violent crime. Here's what the FBI's Uniform Crime Reporting data shows for Northlake.

Northlake property crime rate

1,286

per 100K residents

19% below U.S. avg

U.S. avg is 1,578 per 100K

Breakdown per 100K residents

Burglary
167 / 200
Larceny / theft
898 / 1,172
Vehicle theft
220 / 206

U.S. average

Near-average property crime means insurance premiums in Northlake track closely with national baselines.

Source: FBI UCR Program, Northlake (2024-12 to 2025-11)

Flood Risk

Standard renters insurance does not cover flood damage. FEMA maps every property into a flood zone — here's what that means for Meadowlark at Wildflower Ranch Apartments.

FEMA Zone X (Area Of Minimal Flood Hazard) — Minimal flood risk

Flood insurance optional but inexpensive in this zone.

Flood zone data from FEMA National Flood Hazard Layer (NFHL). Zones can change — verify at FEMA Flood Map Service.

Fees Beyond Rent

These are the additional charges beyond base rent at Meadowlark at Wildflower Ranch Apartments. Some are monthly, some are one-time — all of them affect your actual cost of living here.

Required Fees

Community Amenity Fee

Amount for community amenity use and services. Charged per unit.

$125 / mo

Pest Control Services

Amount for pest control services. Charged per unit.

$5 / mo

Renters Liability Insurance - Third Party

Amount for renters liability insurance obtained through resident's provider of choice. Charged per unit. Payable to 3rd Party

Varies / mo

Utility - Electric - Third Party

Usage-Based (Utilities).Amount for provision and consumptionof electric paid to a third party. Charged per unit. Payable to 3rd Party

Varies / mo

Utility - Water/Sewer - Third Party

Usage-Based (Utilities).Amount for provision and consumptionof water/sewer paid to a third party. Charged per unit. Payable to 3rd Party

Varies / mo

Trash Services - Hauling

Amount for shared trash/waste services. Charged per unit. Payable to 3rd Party

Varies / mo

Application Fee

Amount to process application, initiate screening, and take a rental home off the market. Charged per applicant.

$55

Security Deposit (Refundable)

Amount intended to be held through residency that may be applied toward amounts owed at move-out. Refunds processed per application and lease terms. Charged per unit.

$1,000

Pets Fees

Pet Fee

Max of 1. Amount to facilitate authorized pet move-in. Charged per pet.

$400

Pet Rent

Max of 1. Monthly amount for authorized pet. Charged per pet

$25 / mo

Situational Fees

Month-to-Month Fee

Amount, in addition to base rent, for a month-to-month leaseCharged per unit.

$300 / mo

Intra-Community Transfer Fee

Amount due when transferring to another rental unit within community. Charged per unit.

$1,000 / occurence

Returned Payment Fee (NSF)

Amount for returned payment. Charged per unit.

$50 / occurence

Utility - Vacant Processing Fee

Amount for failing to transfer utilities into resident name.Charged per unit.

$50 / occurence

Access Device - Replacement

Amount to obtain a replacement access device for community; fobs, keys, remotes, access passes. Charged per unit.

$75 / occurence

Early Lease Termination/Cancellation

Amount to terminate lease earlier than lease end date; excludes rent and other charges. Charged per unit.

200% of base rent / occurence

Reletting Fee

Marketing fee related to early lease termination; excludes rent and other charges. Charged per unit.

85% of base rent / occurence

Late Fee

Amount for paying after rent due date; per terms of lease. Charged per unit.

9.99% of base rent / occurence

Lease Violation

Amount for violation of community policies and/or per lease terms. Charged per unit.

Varies / occurrence

Legal/Eviction Fees

Amount for legal expenses incurred for lease violations. Charged per unit.

Varies / occurrence

Liquidated Damages

Amount for not satisfying the application and/or lease termsCharged per unit.

Varies / occurrence

Payment Services - Third Party

Amount for using a third party, electronic payment processing service (i.e. credit card, ACH, etc.). Charged per unit. Payable to 3rd Party

Varies / occurrence

Pet/Animal - Lease Violation

Amount for violation of community policies related to pet orassistance animal. Charged per unit.

Varies / occurrence

Utility - Vacant Cost Recovery

Usage-Based (Utilities).Amount for utility usage not transferred to resident responsibility any time during occupancy. Charged per unit.

Varies / occurrence

Amenities

Special Features

Large Driveways Other Convenient full-size washers and dryers in-unit Granite Counters Kitchen Island GE Stainless Steel & Energy Efficient Appliances Large walk-in closets Walk-in pantry Backyard Winding Lazy River Ceiling Fan in Living Room and Bedrooms Community Playground Flex | Split rent optionality Front Porch Walking Trails

Community Features

Pool Playground Walking/Biking Trails Gas Range

Floor Plan Amenities

Double Vanities Dishwasher Hardwood Floors Patio

Pet Policy

Bringing a pet? Here's what Meadowlark at Wildflower Ranch Apartments allows — and keep in mind, if you have a dog, most insurance advisors recommend bumping your liability coverage to at least $300,000. Standard renters policies cover pet-related incidents, but the default $100,000 limit may not be enough if something happens.

Cats and Dogs Allowed
2 Pet Limit

About Meadowlark at Wildflower Ranch Apartments

Year Built: 2025
Stories: 2 stories
Units: 129
Management: Greystar
Phone: (940) 242-5806

From the property listing:

Live the way you've always wanted without compromising style or quality. At Meadowlark at Wildflower Ranch, our built to rent houses are designed with you in mind. Enjoy 3- or 4-bedroom homes with large private grass yards, 2-car garages, stainless steel appliances, and smart home features. Our interior features are top of the line with modern finishes and technology. Plus, you'll have life at your fingertips with the amenities at Wildflower Ranch including the resort-style lazy river, custom playground, dog park, 4 miles of trails, and outdoor events with community activities.

Other Options Nearby

Still weighing your choices? Other communities in Northlake — compare rent and estimated insurance cost side by side.

Frequently Asked Questions

Does Meadowlark at Wildflower Ranch Apartments require renters insurance?
We didn't find a public insurance requirement for Meadowlark at Wildflower Ranch Apartments, but that doesn't mean there isn't one. Many communities add the requirement during lease signing. It's worth asking the leasing office directly — and even if it's not required, a policy typically runs under $20/month and covers you against theft, fire, and liability.
How much is renters insurance at Meadowlark at Wildflower Ranch Apartments?
For this zip code and building type, expect to pay around $13/month ($155/year). For context, the statewide average is $14/month, so this building is right around average.
What will I actually pay per month at Meadowlark at Wildflower Ranch Apartments?
Plan for $3,051 to $3,818/month all-in. That's base rent ($2,533 – $3,300), plus $505/month in required fees (trash, utilities, etc.), plus roughly $13/month for renters insurance. Most apartment listing sites don't include those last two — so the sticker price can be misleading.
Does Meadowlark at Wildflower Ranch Apartments allow pets?
Yes, Meadowlark at Wildflower Ranch Apartments is pet-friendly. Here are the details: Cats and Dogs Allowed. 2 Pet Limit. If you have a pet, keep in mind that most renters insurance policies cover pet liability — but you may want to increase your liability limit, especially for larger breeds.
How safe is the area around Meadowlark at Wildflower Ranch Apartments?
Property crime in Northlake sits near the national average — 1,286 per 100,000 residents versus 1,578 nationwide. That's the metric insurance carriers care about most for renters coverage, since property crime (theft, burglary, vehicle break-ins) drives most claims. Burglary specifically is 167/100K here.
What floor plans does Meadowlark at Wildflower Ranch Apartments offer?
There are 4 floor plans to choose from, spanning 3-bedroom, 4-bedroom layouts. Rent ranges from $2,533 – $3,300. Your unit size can affect your insurance cost too — a larger unit typically means more belongings to cover.

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Disclaimer

The information on this page — including rent prices, fees, floor plans, amenities, insurance requirements, and safety data — is collected from publicly available sources and may not reflect the most current details. Apartment communities may update their offerings, policies, and pricing at any time. Always confirm details directly with the leasing office or the community's official website before making any decisions.

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