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Home Insurance in Southlake, TX
Southlake homeowners insure against hail and tornadoes first, according to FEMA’s county ratings. This page lays out the local hazard data and what it means for coverage.
$5,268/yr
About $439/mo · ~$300k-$400k dwelling class
$3,277/yr
About $273/mo after modeled shopping discount
About 37.8% below local market estimate
Natural hazard profile for Southlake
The National Risk Index from FEMA scores Tarrant County as relatively high for combined natural-hazard risk. The highest-rated individual hazards are hail (very high), tornadoes (very high) and winter weather (very high).
With hail rated very high, the roof is the line item to watch: compare wind/hail deductibles and how each carrier settles roof claims.
FEMA rates tornado risk very high here; adequate dwelling and other-structures limits matter more than any special endorsement.
Winter weather is rated very high in Tarrant County. Burst pipes from a freeze are generally covered, but carriers expect reasonable heat to be maintained.
With ice storms rated very high, limbs on roofs and downed fences are the typical claims.
Ten years of storm reports in Tarrant County
Tarrant County had 465 hail reports in NOAA’s storm records for 2016 through 2025. 380 of those involved stones an inch or larger, the size that commonly damages shingles. On June 12, 2023, observers reported hail as large as 5 inches. Tarrant County saw 20 tornadoes in NOAA’s 2016 to 2025 records; the most intense was an EF2 on November 24, 2020.
Thunderstorm wind reports numbered 249, with a peak near 105 mph. Add 77 flash flood events over those ten years.
FEMA has issued 7 natural-hazard major disaster declarations covering Tarrant County since 2000. The latest declarations were Severe Winter Storms (2021), Hurricane Harvey (2017) and Severe Storms, Tornadoes, Straight-line Winds and Flooding (2015).
Windstorm questions for Southlake homes
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.
Flood insurance in Southlake
The city takes part in the National Flood Insurance Program, which makes federal flood policies available. The flood insurance rate map in effect was issued in March 2019. In Tarrant County, roughly 1 home in 115 has federal flood coverage (4,999 residential policies in force). Since 2016, 458 NFIP flood claims have come from Tarrant County. Since homeowners forms exclude flood, plan ahead: most NFIP policies only take effect after a 30-day waiting period.
Look up your address on the FEMA Flood Map Service Center to see your flood zone.
Southlake housing in brief
Line up every home in Southlake by age and the one in the middle was built in 1997. Pre-1980 houses are about 5% of the stock, and post-2000 houses about 36%. Median home value: $1,014,500, according to the latest five-year Census survey. That is well above the Tarrant County median of $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.
Local offices for Southlake homeowners
County figures on this page refer to Tarrant County, which holds the largest share of Southlake; it also extends into Denton County. In the federal metro delineation, Tarrant County anchors the Dallas-Fort Worth-Arlington metro. The nearest bigger city is Grapevine, about 4 miles from Southlake as the crow flies.
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. The district office address is 2500 Handley-Ederville Rd. Fort Worth, TX 76118-6909. Watches and warnings for Southlake are issued by NWS Fort Worth/Dallas, TX. The associated NEXRAD radar is KFWS.
Questions about weather risk in Southlake
Is hail a big risk for Southlake roofs?
Tarrant County had 465 hail reports in NOAA’s records for 2016 to 2025, 380 of them with stones an inch or larger. FEMA’s National Risk Index rates the county’s hail risk very high. Compare how each carrier settles roof claims and what a percentage deductible would cost you out of pocket.
Is a percentage deductible a good idea in Southlake?
Pick the deductible you could pay the week after a storm. Percentage deductibles scale with the dwelling limit, so 1% on a $400,000 limit means $4,000 per claim, while flat deductibles stay fixed. With 380 reports of inch-plus hail in Tarrant County from 2016 through 2025, it is worth pricing both options.
Does my Southlake policy cover a burst pipe after a freeze?
Generally yes, if a pipe bursts suddenly and you kept the home reasonably heated. FEMA rates winter weather risk in Tarrant County as very high. Slow leaks, mold and wear are commonly excluded.
Is home insurance required in Southlake?
There is no state requirement. Mortgage contracts, HOA rules and some condo bylaws are what usually make coverage mandatory.
Compare Southlake home insurance quotes
Talk to a licensed Texas Insurance Resources agent at 800-875-4711, or get a quote online.
About the data
Public data current as of October 2026; Census figures are survey estimates. Price estimates near the top are Texas Insurance Resources models for comparison, not quotes or published averages.
- FEMA NRI county ratings, Tarrant County
- NFIP Community Status Book
- Storm Events Database (NOAA), Tarrant County
- Comptroller economic regions
- Census Bureau ACS five-year data, Southlake city: tenure, median year built, year built, structure type, home value, population
- NFIP data (OpenFEMA), Tarrant County
- FEMA disaster declarations, Tarrant County
- Benchmarks: Tarrant County value, Tarrant County build year
- TWIA eligibility
- NWS Fort Worth/Dallas, TX
- Census CBSA delineation
- Gazetteer (Census)
- Comptroller CAD listing, Tarrant County