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Home Insurance in Celina, TX
Six steps to a better homeowners policy in Celina, built around Collin County hazard and housing data.
How to shop for home insurance in Celina
- Pull your property record. Your property record, including square footage and year built, is on the Collin appraisal district site at www.collincad.org (phone 469-742-9200). You can also visit the office at 250 Eldorado Pkwy. McKinney, TX 75069-8023.
- Size Coverage A correctly. Homeowners in Celina report a median value of $509,600. That is close to the Collin County median of $475,600. Market value includes land and location, so it is not the same as the cost to rebuild; insure the dwelling to a replacement-cost estimate instead.
- Choose a wind and hail deductible. Over the ten years from 2016 to 2025, NOAA recorded 310 hail events across Collin County. In 265 cases the hail was an inch across or bigger. The top report was 5.25-inch hail on April 11, 2016. Price both a flat and a percentage wind/hail deductible before choosing.
- Sort out windstorm coverage. 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.
- Decide on flood coverage. Because Celina is an NFIP participating community, homeowners can buy National Flood Insurance Program coverage. The flood insurance rate map in effect was issued in April 2011. NFIP data counts 1,451 residential flood policies in Collin County, about 1 for every 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. Your flood zone is a quick search away on the FEMA Flood Map Service Center.
- Line up quotes side by side. Ask every carrier to quote the same dwelling limit, deductibles and endorsements, then compare price and claim terms. An independent agency can run several Celina quotes at once; start a quote here.
$5,528/yr
About $461/mo · ~$300k-$400k dwelling class
$3,295/yr
About $275/mo after modeled shopping discount
About 40.4% below local market estimate
Local figures for your Celina quote
FEMA’s National Risk Index rates overall natural-hazard risk in Collin County as relatively high. Hazard by hazard, the strongest scores are for hail (very high), tornadoes (very high) and inland flooding (relatively high).
Getting to know Celina
County figures on this page refer to Collin County, which holds the largest share of Celina; it also extends into Denton County. Collin County is a central county of the Dallas-Fort Worth-Arlington metropolitan area. The nearest bigger city is Frisco, about 12 miles from Celina as the crow flies.
Owners live in 93% of occupied homes, and detached single-family houses account for about 97% of the stock. 2015 is the median year built for housing units in Celina. 82% of local homes are from 2000 or later, compared with 7% built before 1980.
Severe weather warnings for Celina come from the NWS Fort Worth/Dallas, TX office. The radar the weather service assigns to this point is KFWS.
Before you buy in Celina
How often should I shop coverage in Celina?
Compare quotes a few weeks before renewal, and any time you replace the roof or add a structure.
Do I need a local agent for a Celina home?
No. Celina is about 12 miles north of Frisco, and carriers rate by address, not by where the agent sits. An independent agency can compare several carriers for your exact location by phone or online.
Does my Celina policy cover a burst pipe after a freeze?
Generally yes, if a pipe bursts suddenly and you kept the home reasonably heated. FEMA rates winter weather risk in Collin County as relatively high. Slow leaks, mold and wear are commonly excluded.
Is homeowners coverage mandatory for Celina 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.
Get a Celina home insurance quote
Talk to a licensed Texas Insurance Resources agent at 800-875-4711, or get a quote online.
About the data
All public data on this page was pulled in October 2026. Census numbers are survey estimates. The two price cards are modeled estimates from Texas Insurance Resources, not quotes.
- NWS Fort Worth/Dallas, TX
- Disaster declarations (FEMA), Collin County
- Census metro delineation
- Census Gazetteer files
- Comptroller county directory, Collin County
- NOAA NCEI storm reports, Collin County
- TWIA eligibility
- Census ACS 2020–2024, Celina city: home value, population, median year built, structure type, tenure, year built
- OpenFEMA flood insurance data, Collin County
- County and state comparisons: Collin County value, Collin County build year
- FEMA National Risk Index, Collin County
- NFIP Community Status Book
- Comptroller economic regions