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Home Insurance in Allen, TX
Side-by-side numbers for Allen, Collin County and the state, covering housing, hazards and flood insurance.
$4,821/yr
About $402/mo · ~$300k-$400k dwelling class
$3,100/yr
About $258/mo after modeled shopping discount
About 35.7% below local market estimate
How Allen homes compare
| Measure | Allen | Collin County | Texas |
|---|---|---|---|
| Median home value | $464,100 | $475,600 | $283,800 |
| Median year built | 2003 | 2003 | 1992 |
| Owner-occupied homes | 69% | 65% | 63% |
| Single-family detached | 73% | 68% | 64% |
| Built before 1980 | 7% | 10% | 33% |
| Built 2000 or later | 60% | 57% | 39% |
| Manufactured homes | less than 1% | 2% | 6% |
By median build year, Allen (2003) and Collin County (2003) are similar.
Median home value: $464,100, according to the latest five-year Census survey. That is close to the Collin County median of $475,600. Your dwelling limit should be built from square footage, materials and local labor costs rather than what the house would sell for.
Weather risk in Collin County, rated
| Hazard | FEMA NRI rating | NOAA reports, 2016–2025 |
|---|---|---|
| Hail | Very High | 310 hail reports |
| Tornadoes | Very High | 9 tornadoes |
| Strong wind | Relatively High | 108 thunderstorm wind reports |
| Inland flooding | Relatively High | 27 flash floods |
| Hurricanes | Relatively Low | – |
| Wildfire | Relatively Low | – |
| Winter weather | Relatively High | – |
| Drought | Relatively Low | – |
| Lightning | Relatively Moderate | – |
Collin County lands in the relatively high category of FEMA’s National Risk Index. Hazard by hazard, the strongest scores are for hail (very high), tornadoes (very high) and inland flooding (relatively high).
Counting from 2000, 5 major disaster declarations for natural hazards have included Collin County. Among the most recent are Severe Storms, Straight-line Winds, Tornadoes, and Flooding (2024), Severe Winter Storms (2021) and Severe Storms, Tornadoes, and Flooding (2007).
Turning the Allen numbers into coverage choices
- TWIA does not write in Collin County; wind and hail claims go through your regular homeowners policy, which may carry its own wind/hail deductible.
- Because Allen is an NFIP participating community, homeowners can buy National Flood Insurance Program coverage. Its flood map now in force took effect in June 2017. NFIP data counts 1,451 residential flood policies in Collin County, about 1 for every 207 homes. Collin County has produced 82 NFIP claims from 2016 on. Flood needs its own policy, and buying one right before a storm will not help because of the usual 30-day wait.
- The median home in Allen was built in 2003. Pre-1980 houses are about 7% of the stock, and post-2000 houses about 60%. With so much newer housing, ask carriers whether they offer a new-construction credit and how long it lasts.
Local offices and records
The Collin County appraisal district (www.collincad.org) publishes the square footage, year built and improvements insurers use to estimate rebuild cost. The district office address is 250 Eldorado Pkwy. McKinney, TX 75069-8023. Allen is covered by the NWS Fort Worth/Dallas, TX forecast office, which issues local watches and warnings. The associated NEXRAD radar is KFWS.
Allen belongs to Collin County. Federal statistical definitions place Collin County at the core of the Dallas-Fort Worth-Arlington metro area. Allen lies northeast of Plano, around 6 miles away in a straight line.
Allen coverage questions
Which weather risks matter for insuring a home in Allen?
Overall, FEMA scores Collin County as relatively high. Its standout hazards are hail (very high), tornadoes (very high) and inland flooding (relatively high). Flood is the one that needs its own policy; the others are generally covered perils with deductibles.
Is home insurance required in Allen?
There is no state requirement. Mortgage contracts, HOA rules and some condo bylaws are what usually make coverage mandatory.
How much could I save by shopping my Allen policy?
The estimate cards above model about 35.7% below the local market figure for Allen. Treat it as illustrative; your quote depends on the home, roof, claims history and deductible.
Do I need a local agent for a Allen home?
No. Allen is about 6 miles northeast of Plano, 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.
Compare Allen home insurance quotes
Texas Insurance Resources shops multiple carriers for you. Call 800-875-4711 or start online.
Data sources and notes
All public data on this page was pulled in October 2026. Census numbers are survey estimates. The two price cards are modeled estimates from Texas Insurance Resources, not quotes.
- FEMA declared disasters, Collin County
- NFIP data (OpenFEMA), Collin County
- NOAA Storm Events Database, Collin County
- Comptroller county directory, Collin County
- OMB metro and micro areas
- Census Gazetteer files
- TWIA coverage area
- American Community Survey 2020–2024, Allen city: structure type, median year built, population, tenure, year built, home value
- Benchmarks: Collin County value, Collin County build year, Texas value
- Comptroller economic regions
- National Risk Index (FEMA), Collin County
- NWS Fort Worth/Dallas, TX
- FEMA Community Status Book