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Home Insurance in Amarillo, TX
Storm reports, flood records and FEMA hazard ratings for Potter County, with plain-English notes on how hail and winter weather risks show up in a Amarillo policy.
$4,800/yr
About $400/mo · ~$300k-$400k dwelling class
$2,722/yr
About $227/mo after modeled shopping discount
About 43.3% below local market estimate
What FEMA’s ratings say about Amarillo
Taking all natural hazards together, FEMA rates Potter County relatively moderate. The highest-rated individual hazards are hail (very high), winter weather (very high) and tornadoes (relatively 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 winter weather very high here; sudden pipe bursts are typically covered, while slow leaks and mold often are not.
With tornadoes rated relatively high, check that loss-of-use coverage would carry you through a long rebuild.
With strong wind rated relatively high, the wind/hail deductible and fence coverage under other structures deserve a look.
Ten years of storm reports in Potter County
NOAA’s Storm Events Database logs 185 hail reports in Potter County from 2016 through 2025. 142 of those involved stones an inch or larger, the size that commonly damages shingles. The top report was 3-inch hail on May 16, 2016. NOAA lists 4 tornadoes in Potter County between 2016 and 2025, topped by an EF1 on June 13, 2016.
There were also 107 damaging-wind reports from thunderstorms, topping out around 86 mph. The same records include 24 flash flood events.
Since 2000, Potter County has been included in 5 federal major disaster declarations for natural hazards. The most recent include Severe Winter Storms (2021), Wildfires (2011) and Extreme Wildfire Threat (2006).
Windstorm questions for Amarillo homes
There is no TWIA option in Potter County, so the homeowners carrier handles wind and hail, and its deductible for those perils can differ from the all-other-perils deductible.
Flood insurance in Amarillo
Because Amarillo is an NFIP participating community, homeowners can buy National Flood Insurance Program coverage. The flood insurance rate map in effect was issued in June 2010. Only about 1 in 253 homes in Potter County carries an NFIP policy (161 residential policies). Since 2016, 12 NFIP flood claims have come from Potter County. Standard homeowners policies exclude flood, and a new NFIP policy generally has a 30-day waiting period.
Look up your address on the FEMA Flood Map Service Center to see your flood zone.
How Amarillo homes are built and valued
According to the Census Bureau, the typical home in Amarillo went up around 1973. 21% of local homes are from 2000 or later, compared with 60% built before 1980. The median owner-estimated home value in Amarillo is $196,900. That sits above the county-wide median of $147,300. A home’s market value is a starting point only; the dwelling limit should reflect labor and materials to rebuild it at today’s prices.
Local records and contacts for Amarillo
While a slice of Amarillo is in Randall County, the bulk of it belongs to Potter County. In the federal metro delineation, Potter County anchors the Amarillo metro.
Your property record, including square footage and year built, is on the Potter appraisal district site at www.prad.org (phone 806-358-1601). You can also visit the office at 5701 Hollywood Rd. Amarillo, TX 79118. For local warnings, the responsible National Weather Service office is NWS Amarillo, TX. Radar coverage comes from the KAMA site.
FAQ: Amarillo storm and flood coverage
How often does it hail around Amarillo?
NOAA’s Storm Events Database lists 185 hail reports in Potter County from 2016 through 2025, 142 of them with stones an inch or larger. FEMA’s National Risk Index rates the county’s hail risk very high. Impact-resistant roofing and a deductible you can afford are the two levers worth discussing with an agent.
Is foundation movement covered for Amarillo homes?
Generally no. Settling and earth movement are excluded on most homeowners forms, even though drought, rated relatively high in Potter County by FEMA, can move foundations. A covered water leak that damages the slab may be the exception.
Is homeowners coverage mandatory for Amarillo homeowners?
State law does not require it. Your lender will, though, and if coverage lapses the lender can place a policy for you that usually costs more and covers less.
Are frozen pipes covered in Amarillo?
Generally yes, if a pipe bursts suddenly and you kept the home reasonably heated. FEMA rates winter weather risk in Potter County as very high. Slow leaks, mold and wear are commonly excluded.
Get an Amarillo home insurance quote
Texas Insurance Resources shops multiple carriers for you. Call 800-875-4711 or start online.
Where the Amarillo numbers come from
All public data on this page was pulled in October 2026. Census numbers are survey estimates. Price estimates near the top are Texas Insurance Resources models for comparison, not quotes or published averages.
- OpenFEMA flood insurance data, Potter County
- NWS Amarillo, TX
- FEMA disaster declarations, Potter County
- TWIA coverage area
- Census ACS 2020–2024, Amarillo city: home value, structure type, tenure, population, median year built, year built
- NOAA NCEI storm reports, Potter County
- Benchmarks: Potter County value, Potter County build year
- FEMA National Risk Index, Potter County
- Texas property tax directory, Potter County
- Comptroller economic regions
- NFIP Community Status Book
- Census CBSA delineation