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Home Insurance in Burleson, TX
FEMA rates tornadoes and hail as the leading natural hazards for Johnson County. Here is the storm, flood and wind record that shapes home insurance in Burleson.
$5,301/yr
About $442/mo · ~$300k-$400k dwelling class
$3,149/yr
About $262/mo after modeled shopping discount
About 40.6% below local market estimate
What FEMA’s ratings say about Burleson
The National Risk Index from FEMA scores Johnson County as relatively moderate for combined natural-hazard risk. The individual hazards that stand out are tornadoes (relatively high), hail (relatively moderate) and inland flooding (relatively moderate).
With tornadoes rated relatively high, check that loss-of-use coverage would carry you through a long rebuild.
Hail risk here is relatively moderate. Cosmetic-damage exclusions for metal roofing and roof-age settlement schedules vary by carrier, so read those sections.
Inland flooding is rated relatively moderate in Johnson County. That covers river and heavy-rain flooding, which no standard homeowners policy pays for.
Wildfire risk is relatively moderate here, so keep brush trimmed back and ask whether your carrier credits fire-resistant roofing.
Recent severe weather in Johnson County
Hail turned up 116 times in Johnson County in NOAA’s database between 2016 and 2025. Quarter-size or larger stones, an inch and up, appear in 99 of them. The largest reported hail was 4 inches on June 12, 2023. NOAA lists 7 tornadoes in Johnson County between 2016 and 2025, the strongest rated EF2 on April 4, 2022.
Severe thunderstorm winds were reported 49 times, the strongest near 75 mph. Flash floods account for 19 more entries in the decade.
Johnson County appears in 4 presidential major disaster declarations for weather and other natural hazards from 2000 onward. The most recent include Severe Winter Storms (2021), Severe Storms, Tornadoes, Straight-line Winds and Flooding (2015) and Extreme Wildfire Threat (2006).
Windstorm questions for Burleson homes
Since Johnson 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 risk and coverage for Burleson
FEMA lists Burleson as a participating NFIP community. The flood insurance rate map in effect was issued in September 2023. Across Johnson County, 510 residential NFIP policies were in force, roughly 1 for every 124 homes. Johnson County has produced 37 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.
Burleson housing in brief
2002 is the median year built for housing units in Burleson. Roughly 19% of the housing stock predates 1980 and 56% is from 2000 onward. Owners in Burleson put the median value of their homes at $308,200. Johnson County as a whole is in the same range, at $285,900. Keep in mind that Coverage A should follow rebuilding cost, not sale price, since the lot itself does not burn or blow away.
Where Burleson homeowners can check the details
County figures on this page refer to Johnson County, which holds the largest share of Burleson; it also extends into Tarrant County. The Dallas-Fort Worth-Arlington metro area counts Johnson County among its central counties. Head about 19 miles from Burleson and you reach Fort Worth, the nearest larger city.
Square footage and build year on file with the Johnson appraisal district (www.johnsoncad.com) feed straight into replacement-cost estimates, so check them for errors. Its office is at 109 N. Main St. Cleburne, TX 76033-4941. Watches and warnings for Burleson are issued by NWS Fort Worth/Dallas, TX. Radar coverage comes from the KFWS site.
Questions about weather risk in Burleson
Does homeowners insurance cover tornado damage in Burleson?
Yes, tornado damage is covered as windstorm, subject to your wind and hail deductible. NOAA records show 7 tornadoes in Johnson County from 2016 through 2025, so confirm your dwelling and loss-of-use limits would cover a full rebuild.
What wind and hail deductible should I choose in Burleson?
Pick the deductible you could pay the week after a storm. Percentage deductibles scale with the dwelling limit, so 1% on a $400,000 limit means $4,000 per claim, while flat deductibles stay fixed. With 99 reports of inch-plus hail in Johnson County from 2016 through 2025, it is worth pricing both options.
Is windstorm insurance through TWIA an option in Burleson?
No, Johnson County is not in TWIA territory. Look instead at the wind and hail deductible on your homeowners quotes, since that is where storm costs land.
Is homeowners coverage mandatory for Burleson 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.
Request a Burleson homeowners quote
Compare carriers with Texas Insurance Resources. Call 800-875-4711 or request a quote online.
Where the Burleson numbers come from
Data reflects the most recent releases available in October 2026; survey figures carry margins of error. Price estimates near the top are Texas Insurance Resources models for comparison, not quotes or published averages.
- Texas property tax directory, Johnson County
- Storm Events Database (NOAA), Johnson County
- Comptroller economic regions
- Census ACS 2020–2024, Burleson city: median year built, year built, home value, tenure, population, structure type
- OpenFEMA NFIP data, Johnson County
- NWS Fort Worth/Dallas, TX
- Benchmarks: Johnson County value, Johnson County build year
- Community Status Book (NFIP)
- OMB metro and micro areas
- Census Gazetteer coordinates
- FEMA NRI county ratings, Johnson County
- Texas Windstorm Insurance Association
- Disaster declarations (FEMA), Johnson County