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Home Insurance in Cloverleaf, TX
FEMA rates tornadoes and hurricanes as the leading natural hazards for Harris County. Here is the storm, flood and wind record that shapes home insurance in Cloverleaf.
$6,287/yr
About $524/mo · ~$300k-$400k dwelling class
$4,049/yr
About $337/mo after modeled shopping discount
About 35.6% below local market estimate
What FEMA’s ratings say about Cloverleaf
In FEMA’s National Risk Index, Harris County carries an overall rating of very high. Hazard by hazard, the strongest scores are for tornadoes (very high), hurricanes (very high) and inland flooding (very high).
Tornado risk is very high in Harris County. Tornado damage is covered as windstorm under a homeowners policy, subject to the wind/hail deductible.
With hurricane risk very high in Harris County, look closely at any named-storm or hurricane deductible, which is often a percentage of the dwelling limit.
Inland flooding is rated very high in Harris County. That covers river and heavy-rain flooding, which no standard homeowners policy pays for.
FEMA rates strong wind very high; shingles, fences and carports are the usual casualties.
Ten years of storm reports in Harris County
Over the ten years from 2016 to 2025, NOAA recorded 143 hail events across Harris County. In 119 cases the hail was an inch across or bigger. The top report was 2.5-inch hail on January 8, 2016. Tornado records for Harris County show 33 touchdowns from 2016 through 2025; the most intense was an EF3 on January 24, 2023.
Straight-line thunderstorm winds generated 176 reports, peaking around 104 mph. The same records include 92 flash flood events.
Counting from 2000, 15 major disaster declarations for natural hazards have included Harris County. The most recent include Hurricane Beryl (2024), Severe Storms, Straight-line Winds, Tornadoes, and Flooding (2024) and Severe Winter Storms (2021).
Who covers wind in Cloverleaf?
Wind coverage in Harris 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 Cloverleaf
Homes outside city limits fall under Harris County’s NFIP participation, so federal flood policies are available. Flood coverage is far from universal: 206,279 residential NFIP policies in Harris County, or about 1 per 6 homes. Harris County has produced 66,161 NFIP claims from 2016 on. Standard homeowners policies exclude flood, and a new NFIP policy generally has a 30-day waiting period.
Your flood zone is a quick search away on the FEMA Flood Map Service Center.
Cloverleaf housing in brief
According to the Census Bureau, the typical home in Cloverleaf went up around 1979. 16% of local homes are from 2000 or later, compared with 52% built before 1980. The median owner-estimated home value in Cloverleaf is $169,600. That is below the Harris County median of $276,600. 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.
Where Cloverleaf homeowners can check the details
Cloverleaf is in Harris County. Harris County forms part of the urban core of the Houston-Pasadena-The Woodlands metro. The nearest bigger city is Pasadena, about 9 miles from Cloverleaf as the crow flies.
Square footage and build year on file with the Harris appraisal district (www.hcad.org) feed straight into replacement-cost estimates, so check them for errors. You can also visit the office at 13013 Northwest Frwy. Houston, TX 77040-6305. The NWS Houston/Galveston, TX office handles forecasts and storm warnings for Cloverleaf. The radar the weather service assigns to this point is KHGX.
Cloverleaf hazard and coverage questions
Does homeowners insurance cover tornado damage in Cloverleaf?
Yes, tornado damage is covered as windstorm, subject to your wind and hail deductible. NOAA records show 33 tornadoes in Harris County from 2016 through 2025, so confirm your dwelling and loss-of-use limits would cover a full rebuild.
How often does it hail around Cloverleaf?
NOAA’s Storm Events Database lists 143 hail reports in Harris County from 2016 through 2025, 119 of them with stones an inch or larger. FEMA’s National Risk Index rates the county’s hail risk relatively moderate. Roof age, roof material and the wind and hail deductible drive most of the price difference between quotes.
Is foundation movement covered for Cloverleaf homes?
Usually not. FEMA rates drought risk in Harris County as relatively moderate, and dry spells can shift foundations on clay soil, but standard policies exclude settling and earth movement. Foundation damage caused by a covered plumbing leak is a common exception.
What wind and hail deductible should I choose in Cloverleaf?
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 119 reports of inch-plus hail in Harris County from 2016 through 2025, it is worth pricing both options.
Get a Cloverleaf home insurance quote
Compare carriers with Texas Insurance Resources. Call 800-875-4711 or request a quote online.
Data sources and notes
Figures were retrieved in October 2026 and are estimates with margins of error. Premium figures in the estimate cards are illustrative models, not quotes.
- Texas Windstorm Insurance Association
- Comparison figures: Harris County value, Harris County build year
- NOAA NCEI storm reports, Harris County
- FEMA National Risk Index, Harris County
- Texas property tax directory, Harris County
- American Community Survey 2020–2024, Cloverleaf CDP: year built, structure type, population, home value, median year built, tenure
- Texas Comptroller regions
- NWS Houston/Galveston, TX
- Census CBSA delineation
- Census Gazetteer coordinates
- Disaster declarations (FEMA), Harris County
- OpenFEMA NFIP data, Harris County