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Home Insurance in Fort Worth, TX
See where Fort Worth stands against county and statewide figures before you compare home insurance quotes.
$5,100/yr
About $425/mo · ~$300k-$400k dwelling class
$2,958/yr
About $246/mo after modeled shopping discount
About 42% below local market estimate
Fort Worth compared with Tarrant County and Texas
| Measure | Fort Worth | Tarrant County | Texas |
|---|---|---|---|
| Median home value | $303,000 | $323,900 | $283,800 |
| Median year built | 1994 | 1990 | 1992 |
| Owner-occupied homes | 57% | 59% | 63% |
| Single-family detached | 65% | 65% | 64% |
| Built before 1980 | 34% | 33% | 33% |
| Built 2000 or later | 43% | 36% | 39% |
| Manufactured homes | 2% | 2% | 6% |
Home ages in Fort Worth are close to the Tarrant County pattern (median year built 1994 versus 1990).
The typical owner-occupied home in Fort Worth is valued at about $303,000. The Tarrant County median is similar, at $323,900. Market value includes land and location, so it is not the same as the cost to rebuild; insure the dwelling to a replacement-cost estimate instead.
Hazard ratings for Tarrant County
| Hazard | FEMA NRI rating | NOAA reports, 2016–2025 |
|---|---|---|
| Hail | Very High | 465 hail reports |
| Tornadoes | Very High | 20 tornadoes |
| Strong wind | Relatively Moderate | 249 thunderstorm wind reports |
| Inland flooding | Relatively High | 77 flash floods |
| Hurricanes | Relatively Low | – |
| Wildfire | Relatively Moderate | – |
| Winter weather | Very High | – |
| Drought | Relatively Low | – |
| Lightning | Relatively High | – |
The National Risk Index from FEMA scores Tarrant County as relatively high for combined natural-hazard risk. Among individual perils, the top ratings go to hail (very high), tornadoes (very high) and winter weather (very high).
FEMA has issued 7 natural-hazard major disaster declarations covering Tarrant County since 2000. Recent ones: Severe Winter Storms (2021), Hurricane Harvey (2017) and Severe Storms, Tornadoes, Straight-line Winds and Flooding (2015).
What the comparison means for your policy
- 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.
- Fort Worth participates in the National Flood Insurance Program, so NFIP policies are available to residents. The flood insurance rate map in effect was issued in March 2019. Through FEMA’s Community Rating System it is rated Class 7, worth a 15% discount on NFIP policies in the special flood hazard area. Flood coverage is far from universal: 4,999 residential NFIP policies in Tarrant County, or about 1 per 115 homes. Tarrant County has produced 458 NFIP claims from 2016 on. A homeowners policy will not pay for rising water; flood is a separate policy, and NFIP coverage typically takes 30 days to begin.
- According to the Census Bureau, the typical home in Fort Worth went up around 1994. About 34% of homes went up before 1980, while 43% were built in 2000 or later. Homes from the 1980s and 1990s are now old enough that many are on a second roof, and insurers commonly ask when it was replaced.
Local offices and records
Before you request quotes, pull your record from the Tarrant appraisal district at www.tad.org; the Texas Comptroller’s Tarrant County directory lists its contact details. You can also visit the office at 2500 Handley-Ederville Rd. Fort Worth, TX 76118-6909. For local warnings, the responsible National Weather Service office is NWS Fort Worth/Dallas, TX. The radar the weather service assigns to this point is KFWS.
Most of Fort Worth lies in Tarrant County, and the city limits also reach into Denton County, Johnson County, Parker County and Wise County. Tarrant County is a central county of the Dallas-Fort Worth-Arlington metropolitan area.
Fort Worth coverage questions
How risky is Tarrant County for natural hazards?
FEMA’s National Risk Index rates overall risk in Tarrant County as relatively high. The top-rated hazards are hail (very high), tornadoes (very high) and winter weather (very high). Those are the perils to ask about when you compare deductibles and endorsements.
Does TWIA cover homes in Fort Worth?
No. Tarrant County is outside TWIA’s designated catastrophe area, so wind and hail are covered by the homeowners policy itself, usually with a separate wind and hail deductible.
What is a typical savings range when switching?
The estimate cards above model about 42% below the local market figure for Fort Worth. Treat it as illustrative; your quote depends on the home, roof, claims history and deductible.
Should I insure my Fort Worth home for its market value?
Not necessarily. The Census median home value in Fort Worth is $303,000, but Coverage A should match the cost to rebuild, which excludes land and can be higher or lower than market value. Ask for a replacement-cost estimate based on square footage and finishes.
Compare Fort Worth home insurance quotes
Talk to a licensed Texas Insurance Resources agent at 800-875-4711, or get a quote online.
About the data
Figures were retrieved in October 2026 and are estimates with margins of error. Price estimates near the top are Texas Insurance Resources models for comparison, not quotes or published averages.
- TWIA eligibility
- FEMA National Risk Index, Tarrant County
- Comptroller CAD listing, Tarrant County
- Comptroller 2024 regions
- Census CBSA delineation
- FEMA disaster declarations, Tarrant County
- FEMA Community Status Book
- OpenFEMA NFIP data, Tarrant County
- NWS Fort Worth/Dallas, TX
- NOAA Storm Events Database, Tarrant County
- Comparison figures: Tarrant County value, Tarrant County build year, Texas value
- Census Bureau ACS five-year data, Fort Worth city: median year built, structure type, tenure, year built, population, home value