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Home Insurance in Decatur, TX
Decatur homeowners insure against hail and tornadoes first, according to FEMA’s county ratings. This page lays out the local hazard data and what it means for coverage.
$4,976/yr
About $415/mo · ~$300k-$400k dwelling class
$2,891/yr
About $241/mo after modeled shopping discount
About 41.9% below local market estimate
What FEMA’s ratings say about Decatur
Wise County lands in the relatively low category of FEMA’s National Risk Index. Among individual perils, the top ratings go to hail (relatively moderate), tornadoes (relatively moderate) and wildfire (relatively moderate).
With hail rated relatively moderate, the roof is the line item to watch: compare wind/hail deductibles and how each carrier settles roof claims.
Tornado risk is relatively moderate in Wise County. Tornado damage is covered as windstorm under a homeowners policy, subject to the wind/hail deductible.
With wildfire rated relatively moderate, make sure outbuildings and fencing are inside your other-structures limit.
FEMA rates heat waves relatively moderate; long hot seasons shorten roof life, so keep records of your roof replacement date.
Ten years of storm reports in Wise County
Over the ten years from 2016 to 2025, NOAA recorded 115 hail events across Wise County. Of these, 94 reached at least one inch in diameter. The biggest stones, 4.5 inches across, fell on April 1, 2024. NOAA lists 8 tornadoes in Wise County between 2016 and 2025, the strongest rated EF2 on December 13, 2022.
NOAA also lists 58 thunderstorm wind events, the strongest estimated near 85 mph. NOAA also counts 18 flash flood events in the county in that period.
FEMA has issued 6 natural-hazard major disaster declarations covering Wise County since 2000. Among the most recent are Severe Winter Storms (2021), Severe Storms, Tornadoes, Straight-line Winds and Flooding (2015) and Wildfires (2011).
Windstorm questions for Decatur homes
Since Wise 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 insurance in Decatur
Decatur participates in the National Flood Insurance Program, so NFIP policies are available to residents. Its current effective flood map dates to December 2011. Across Wise County, 156 residential NFIP policies were in force, roughly 1 for every 182 homes. Policyholders in the county have filed 18 NFIP claims since 2016. Flood needs its own policy, and buying one right before a storm will not help because of the usual 30-day wait.
Look up your address on the FEMA Flood Map Service Center to see your flood zone.
Decatur housing in brief
The median home in Decatur was built in 1988. Roughly 38% of the housing stock predates 1980 and 30% is from 2000 onward. The median owner-estimated home value in Decatur is $284,500. Wise County as a whole is in the same range, at $304,900. 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 Decatur homeowners can check the details
Wise County is home to Decatur. Commuting ties put Wise County in the Dallas-Fort Worth-Arlington metro as an outlying county. Denton is the closest larger city, roughly 26 miles away, with Decatur to its west.
Square footage and build year on file with the Wise appraisal district (www.wise-cad.com) feed straight into replacement-cost estimates, so check them for errors. The district office address is 400 E. Business 380 Decatur, TX 76234-3165. The NWS Fort Worth/Dallas, TX office handles forecasts and storm warnings for Decatur. Radar coverage comes from the KFWS site.
FAQ: Decatur storm and flood coverage
How common are hailstorms in Wise County?
Wise County had 115 hail reports in NOAA’s records for 2016 to 2025, 94 of them with stones an inch or larger. FEMA’s National Risk Index rates the county’s hail risk relatively moderate. Compare how each carrier settles roof claims and what a percentage deductible would cost you out of pocket.
Do I need separate flood insurance in Decatur?
A standard homeowners policy will not pay for flood damage, so you need a stand-alone flood policy. Decatur is an NFIP community, and its current flood map took effect in December 2011. In Wise County, about 1 in 182 homes has an NFIP policy. Buy early, because NFIP coverage generally starts 30 days after purchase.
Do I have to carry homeowners insurance in Decatur?
There is no state requirement. Mortgage contracts, HOA rules and some condo bylaws are what usually make coverage mandatory.
Are tornadoes covered on a Decatur home policy?
Yes. Tornadoes fall under the windstorm peril, so the wind and hail deductible applies. Wise County had 8 tornadoes in NOAA’s 2016 to 2025 records, which is a good reason to check your dwelling, other-structures and debris-removal limits.
Compare Decatur home insurance quotes
Compare carriers with Texas Insurance Resources. Call 800-875-4711 or request a quote online.
Where the Decatur numbers come from
Public data current as of October 2026; Census figures are survey estimates. Price estimates near the top are Texas Insurance Resources models for comparison, not quotes or published averages.
- Census ACS 2020–2024, Decatur city: home value, year built, structure type, population, median year built, tenure
- NWS Fort Worth/Dallas, TX
- TWIA eligibility
- NFIP Community Status Book
- Census CBSA delineation
- Census Gazetteer files
- Comparison figures: Wise County value, Wise County build year
- Comptroller 2024 regions
- OpenFEMA NFIP data, Wise County
- Comptroller CAD listing, Wise County
- National Risk Index (FEMA), Wise County
- NOAA NCEI storm reports, Wise County
- Disaster declarations (FEMA), Wise County