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Home Insurance in Colleyville, TX

Six steps to a better homeowners policy in Colleyville, built around Tarrant County hazard and housing data.

Dallas-Fort Worth areaTarrant CountyShopping checklist

A six-step plan for insuring a Colleyville home

  1. Pull your property record. Your property record, including square footage and year built, is on the Tarrant appraisal district site at www.tad.org (phone 817-284-0024). Its office is at 2500 Handley-Ederville Rd. Fort Worth, TX 76118-6909.
  2. Price the rebuild, not the sale. The typical owner-occupied home in Colleyville is valued at about $784,900. That is well above the Tarrant County median of $323,900. Keep in mind that Coverage A should follow rebuilding cost, not sale price, since the lot itself does not burn or blow away.
  3. Pick deductibles with local storms in mind. From 2016 to 2025, 465 hail events were recorded in Tarrant County in NOAA’s Storm Events Database. 380 of those involved stones an inch or larger, the size that commonly damages shingles. The largest reported hail was 5 inches on June 12, 2023. Ask each carrier for quotes at two deductible levels so the trade-off is visible.
  4. Confirm who covers wind. Since Tarrant 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.
  5. Do not skip the flood question. Colleyville participates in the National Flood Insurance Program, so NFIP policies are available to residents. The effective FEMA flood map for the community is from March 2019. Flood coverage is far from universal: 4,999 residential NFIP policies in Tarrant County, or about 1 per 115 homes. 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. Search the FEMA Flood Map Service Center by street address to find your zone.
  6. Compare quotes on equal terms. Ask every carrier to quote the same dwelling limit, deductibles and endorsements, then compare price and claim terms. An independent agency can run several Colleyville quotes at once; start a quote here.
Typical local market estimate

$5,469/yr

About $456/mo · ~$300k-$400k dwelling class

$4,649/yrRough $300k dwelling scale (0.85x)
$7,383/yrRough $600k dwelling scale (1.35x)
TX Insurance Resources estimate

$3,429/yr

About $286/mo after modeled shopping discount

About 37.3% below local market estimate

$2,915/yrTXIR ~$300k scale
$4,629/yrTXIR ~$600k scale
Disclaimer: Estimates for comparison and education only. These figures are modeled estimates built from public data inputs and metro and regional benchmarks; they are not published averages or a binding quote. Actual quotes vary by dwelling value, age, roof, claims history, deductible, and carrier.

Colleyville data in one place

Relatively HighFEMA overall risk
465Hail reports, 2016–2025
20Tornadoes, 2016–2025
7Major disasters since 2000

Taking all natural hazards together, FEMA rates Tarrant County relatively high. Its leading hazards, by rating, are hail (very high), tornadoes (very high) and winter weather (very high).

About Colleyville

Colleyville is in Tarrant County. In the federal metro delineation, Tarrant County anchors the Dallas-Fort Worth-Arlington metro. North Richland Hills is the closest larger city, roughly 5 miles away, with Colleyville to its northeast.

Detached houses represent about 94% of the housing in Colleyville, where 97% of households own their home. Line up every home in Colleyville by age and the one in the middle was built in 1994. Roughly 16% of the housing stock predates 1980 and 34% is from 2000 onward.

Watches and warnings for Colleyville are issued by NWS Fort Worth/Dallas, TX. The radar the weather service assigns to this point is KFWS.

Before you buy in Colleyville

How often should I shop coverage in Colleyville?

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 Colleyville home?

No. Colleyville is about 5 miles northeast of North Richland Hills, 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.

Are tornadoes covered on a Colleyville home policy?

Yes. Tornadoes fall under the windstorm peril, so the wind and hail deductible applies. Tarrant County had 20 tornadoes in NOAA’s 2016 to 2025 records, which is a good reason to check your dwelling, other-structures and debris-removal limits.

Are frozen pipes covered in Colleyville?

Usually, as long as the damage is sudden and the house was heated. Winter weather is rated very high in Tarrant County by FEMA, so know where your main shutoff valve is.

Compare Colleyville home insurance quotes

Talk to a licensed Texas Insurance Resources agent at 800-875-4711, or get a quote online.

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Sources for this Colleyville page

Figures were retrieved in October 2026 and are estimates with margins of error. Premium figures in the estimate cards are illustrative models, not quotes.

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