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Home Insurance in Bartonville, TX
FEMA rates hail and tornadoes as the leading natural hazards for Denton County. Here is the storm, flood and wind record that shapes home insurance in Bartonville.
$5,305/yr
About $442/mo · ~$300k-$400k dwelling class
$3,374/yr
About $281/mo after modeled shopping discount
About 36.4% below local market estimate
Bartonville hazard snapshot
FEMA’s county-level National Risk Index puts Denton County in the relatively high band overall. Among individual perils, the top ratings go to hail (very high), tornadoes (very high) and ice storms (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.
With tornadoes rated very high, check that loss-of-use coverage would carry you through a long rebuild.
With ice storms rated very high, limbs on roofs and downed fences are the typical claims.
With inland flooding rated relatively high, a separate flood policy is the only way to cover water that enters from outside.
Recent severe weather in Denton County
Hail turned up 373 times in Denton County in NOAA’s database between 2016 and 2025. Stones of one inch or more showed up in 298 of the reports. On June 15, 2023, observers reported hail as large as 5.9 inches. Between 2016 and 2025, 10 tornadoes touched down in Denton County; the most intense was an EF1 on March 8, 2016.
NOAA also lists 139 thunderstorm wind events, the strongest estimated near 96 mph. Add 34 flash flood events over those ten years.
FEMA has issued 7 natural-hazard major disaster declarations covering Denton County since 2000. Among the most recent are Severe Storms, Straight-line Winds, Tornadoes, and Flooding (2024), Severe Winter Storms (2021) and Severe Storms, Tornadoes, Straight-line Winds and Flooding (2015).
Windstorm questions for Bartonville homes
Since Denton 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.
Flood exposure and the NFIP in Bartonville
NFIP flood policies are available in Bartonville, a participating community. Its current effective flood map dates to April 2011. In Denton County, roughly 1 home in 147 has federal flood coverage (1,740 residential policies in force). Since 2016, 122 NFIP flood claims have come from Denton County. A homeowners policy will not pay for rising water; flood is a separate policy, and NFIP coverage typically takes 30 days to begin.
Your flood zone is a quick search away on the FEMA Flood Map Service Center.
The homes behind the risk
The median home in Bartonville was built in 1992. 32% of local homes are from 2000 or later, compared with 14% built before 1980. Census data shows a median home value of $932,700 in Bartonville. The Denton County figure is lower, at $437,200. Sale prices and rebuild costs can diverge in either direction, which is why carriers run their own replacement-cost estimate for the dwelling limit.
Local offices for Bartonville homeowners
Bartonville sits within Denton County. Commuting ties put Denton County in the Dallas-Fort Worth-Arlington metro as an outlying county. Bartonville lies northwest of Flower Mound, around 4 miles away in a straight line.
Your property record, including square footage and year built, is on the Denton appraisal district site at www.dentoncad.com (phone 940-349-3800). The district office address is 3911 Morse St. Denton, TX 76208-6331. The NWS Fort Worth/Dallas, TX office handles forecasts and storm warnings for Bartonville. The associated NEXRAD radar is KFWS.
Questions about weather risk in Bartonville
How often does it hail around Bartonville?
NOAA’s Storm Events Database lists 373 hail reports in Denton County from 2016 through 2025, 298 of them with stones an inch or larger. FEMA’s National Risk Index rates the county’s hail risk very high. Keep photos of your roof’s condition so a future claim is easier to document.
Do I have to carry homeowners insurance in Bartonville?
No Texas law requires it, but mortgage lenders almost always do, and they can buy costly force-placed coverage if your policy lapses.
Are frozen pipes covered in Bartonville?
Generally yes, if a pipe bursts suddenly and you kept the home reasonably heated. FEMA rates winter weather risk in Denton County as relatively high. Slow leaks, mold and wear are commonly excluded.
What wind and hail deductible should I choose in Bartonville?
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. Denton County logged 298 reports of hail an inch or larger from 2016 through 2025, so run the numbers both ways.
Compare Bartonville home insurance quotes
Texas Insurance Resources shops multiple carriers for you. Call 800-875-4711 or start online.
Sources and methodology
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.
- American Community Survey 2020–2024, Bartonville town: year built, structure type, home value, population, median year built, tenure
- NFIP Community Status Book
- Benchmarks: Denton County value, Denton County build year
- Texas Comptroller regions
- Census CBSA delineation
- Census Gazetteer files
- FEMA disaster declarations, Denton County
- Texas property tax directory, Denton County
- TWIA coverage area
- NFIP data (OpenFEMA), Denton County
- NOAA Storm Events Database, Denton County
- NWS Fort Worth/Dallas, TX
- FEMA NRI county ratings, Denton County