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Home Insurance in Arlington, TX
Arlington 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.
$5,190/yr
About $432/mo · ~$300k-$400k dwelling class
$3,124/yr
About $260/mo after modeled shopping discount
About 39.8% below local market estimate
Natural hazard profile for Arlington
Tarrant 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 winter weather (very high).
A very high hail rating makes the wind/hail deductible one of the biggest pricing levers, since a percentage deductible is based on your dwelling limit, not the claim.
With tornadoes rated very high, check that loss-of-use coverage would carry you through a long rebuild.
FEMA rates winter weather very high here; sudden pipe bursts are typically covered, while slow leaks and mold often are not.
With ice storms rated very high, limbs on roofs and downed fences are the typical claims.
Ten years of storm reports in Tarrant County
NOAA’s Storm Events Database logs 465 hail reports in Tarrant County from 2016 through 2025. Stones of one inch or more showed up in 380 of the reports. The largest reported hail was 5 inches on June 12, 2023. Tornado records for Tarrant County show 20 touchdowns from 2016 through 2025; the most intense was an EF2 on November 24, 2020.
Severe thunderstorm winds were reported 249 times, the strongest near 105 mph. Flash flooding was logged 77 times over the same decade.
Counting from 2000, 7 major disaster declarations for natural hazards have included Tarrant County. Among the most recent are Severe Winter Storms (2021), Hurricane Harvey (2017) and Severe Storms, Tornadoes, Straight-line Winds and Flooding (2015).
Windstorm questions for Arlington homes
Wind coverage in Tarrant County stays inside the homeowners policy because the county is outside TWIA’s coastal territory; compare the wind/hail deductible on every quote.
Flood insurance in Arlington
NFIP flood policies are available in Arlington, a participating community. The effective FEMA flood map for the community is from March 2019. It also holds Community Rating System Class 5, which trims NFIP premiums for high-risk-zone policies by 25%. Only about 1 in 115 homes in Tarrant County carries an NFIP policy (4,999 residential policies). Tarrant County has produced 458 NFIP claims from 2016 on. Remember that flood is excluded from homeowners policies and NFIP coverage usually starts 30 days after purchase.
You can check your flood zone by address at the FEMA Flood Map Service Center.
Arlington housing in brief
Half of the housing in Arlington dates from 1986 or earlier, per Census estimates. Roughly 33% of the housing stock predates 1980 and 23% is from 2000 onward. The median owner-estimated home value in Arlington is $304,700. Tarrant County as a whole is in the same range, at $323,900. 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 offices for Arlington homeowners
Tarrant County is home to Arlington. Tarrant County forms part of the urban core of the Dallas-Fort Worth-Arlington metro. Arlington lies southeast of Fort Worth, around 14 miles away in a straight line.
Square footage and build year on file with the Tarrant appraisal district (www.tad.org) feed straight into replacement-cost estimates, so check them for errors. The district office address is 2500 Handley-Ederville Rd. Fort Worth, TX 76118-6909. Arlington is covered by the NWS Fort Worth/Dallas, TX forecast office, which issues local watches and warnings. The radar the weather service assigns to this point is KFWS.
Questions about weather risk in Arlington
What does the hail record look like near Arlington?
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. Impact-resistant roofing and a deductible you can afford are the two levers worth discussing with an agent.
How does flood coverage work for a Arlington home?
Flood is not part of a homeowners policy; it is bought separately through the NFIP or a private insurer. NFIP coverage is available because Arlington is a participating community, and its current flood map took effect in March 2019. Its Community Rating System Class 5 rating lowers NFIP premiums for many residents. Only about 1 in 115 Tarrant County homes carries NFIP coverage. New NFIP policies usually take 30 days to start.
Does homeowners insurance cover tornado damage in Arlington?
Yes, tornado damage is covered as windstorm, subject to your wind and hail deductible. NOAA records show 20 tornadoes in Tarrant County from 2016 through 2025, so confirm your dwelling and loss-of-use limits would cover a full rebuild.
Is a percentage deductible a good idea in Arlington?
A percentage deductible is calculated on your dwelling limit; for example, 2% of a $300,000 dwelling limit is $6,000 out of pocket per wind or hail claim. A flat-dollar deductible usually costs more in premium but is easier to budget. Tarrant County logged 380 reports of hail an inch or larger from 2016 through 2025, so run the numbers both ways.
Ready to price your Arlington home?
One call to 800-875-4711 or a short online form gets several carriers working on your quote.
Where the Arlington numbers come from
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
- NFIP data (OpenFEMA), Tarrant County
- Comptroller economic regions
- FEMA NRI county ratings, Tarrant County
- Comptroller CAD listing, Tarrant County
- Census CBSA delineation
- Gazetteer (Census)
- Census Bureau ACS five-year data, Arlington city: year built, tenure, median year built, population, structure type, home value
- NFIP Community Status Book
- FEMA disaster declarations, Tarrant County
- Benchmarks: Tarrant County value, Tarrant County build year
- Storm Events Database (NOAA), Tarrant County
- NWS Fort Worth/Dallas, TX