Home / Texas Home Insurance Locations / Anna
Home Insurance in Anna, TX
See where Anna stands against county and statewide figures before you compare home insurance quotes.
$5,011/yr
About $418/mo · ~$300k-$400k dwelling class
$3,222/yr
About $268/mo after modeled shopping discount
About 35.7% below local market estimate
Anna, Collin County and Texas side by side
| Measure | Anna | Collin County | Texas |
|---|---|---|---|
| Median home value | $351,700 | $475,600 | $283,800 |
| Median year built | 2012 | 2003 | 1992 |
| Owner-occupied homes | 78% | 65% | 63% |
| Single-family detached | 92% | 68% | 64% |
| Built before 1980 | 5% | 10% | 33% |
| Built 2000 or later | 91% | 57% | 39% |
| Manufactured homes | less than 1% | 2% | 6% |
Homes in Anna are newer than the county norm, with a median build year of 2012 against 2003 for Collin County. Owner-occupancy is higher than the county figure (78% versus 65%).
Homeowners in Anna report a median value of $351,700. That is below the Collin County median of $475,600. Land value is part of a sale price but not of a rebuild, so the right Coverage A figure can be well above or below market value.
Hazard ratings for Collin County
| 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 | – |
FEMA’s National Risk Index rates overall natural-hazard risk in Collin County as relatively high. The individual hazards that stand out are hail (very high), tornadoes (very high) and inland flooding (relatively high).
Natural hazards have put Collin County in 5 federal major disaster declarations since 2000. The most recent include Severe Storms, Straight-line Winds, Tornadoes, and Flooding (2024), Severe Winter Storms (2021) and Severe Storms, Tornadoes, and Flooding (2007).
What the comparison means for your policy
- Since Collin County is not a TWIA county, look at how your homeowners policy handles wind and hail, including whether that deductible is a flat amount or a percentage of the dwelling limit.
- NFIP flood policies are available in Anna, a participating community. Its current effective flood map dates to June 2009. Flood coverage is far from universal: 1,451 residential NFIP policies in Collin County, or about 1 per 207 homes. NFIP records show 82 flood claims in the county since 2016. Since homeowners forms exclude flood, plan ahead: most NFIP policies only take effect after a 30-day waiting period.
- Half of the housing in Anna dates from 2012 or earlier, per Census estimates. 91% of local homes are from 2000 or later, compared with 5% built before 1980. Newer construction tends to earn better pricing because roofs, wiring and plumbing are recent, and some carriers add a new-home credit for the first years.
Contacts for Anna homeowners
Before you request quotes, pull your record from the Collin appraisal district at www.collincad.org; the Texas Comptroller’s Collin County directory lists its contact details. You can also visit the office at 250 Eldorado Pkwy. McKinney, TX 75069-8023. The NWS Fort Worth/Dallas, TX office handles forecasts and storm warnings for Anna. The radar the weather service assigns to this point is KFWS.
The county for Anna is Collin County. Collin County is a central county of the Dallas-Fort Worth-Arlington metropolitan area. By straight-line distance, Anna is about 12 miles northeast of McKinney.
Questions Anna homeowners ask
What does FEMA’s risk index say about Collin County?
FEMA’s National Risk Index rates overall risk in Collin County as relatively high. The highest individual ratings are for hail (very high), tornadoes (very high) and inland flooding (relatively high). Those are the perils to ask about when you compare deductibles and endorsements.
Do I have to carry homeowners insurance in Anna?
No Texas law requires it, but mortgage lenders almost always do, and they can buy costly force-placed coverage if your policy lapses.
Has Anna been part of a FEMA disaster declaration?
Collin County has been included in 5 natural-hazard major disaster declarations since 2000. The most recent was Severe Storms, Straight-line Winds, Tornadoes, and Flooding, declared in May 2024. Federal aid for homeowners is limited and often comes as SBA disaster loans, so insurance remains the main way to recover.
What does the Anna savings estimate on this page mean?
On this page we model a 35.7% gap between the local market estimate and our estimate for Anna. It is not a quote, and actual savings can be higher, lower or zero.
Ready to price your Anna home?
Talk to a licensed Texas Insurance Resources agent at 800-875-4711, or get a quote online.
Sources and methodology
Public data current as of October 2026; Census figures are survey estimates. Premium figures in the estimate cards are illustrative models, not quotes.
- OpenFEMA NFIP data, Collin County
- Texas Comptroller regions
- Census CBSA delineation
- Gazetteer (Census)
- NWS Fort Worth/Dallas, TX
- County and state comparisons: Collin County value, Collin County build year, Texas value
- Community Status Book (NFIP)
- FEMA NRI county ratings, Collin County
- NOAA NCEI storm reports, Collin County
- Census Bureau ACS five-year data, Anna city: structure type, population, tenure, year built, median year built, home value
- FEMA disaster declarations, Collin County
- TWIA eligibility
- Texas property tax directory, Collin County