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Home Insurance in Diboll, TX
Diboll homeowners insure against strong wind and lightning first, according to FEMA’s county ratings. This page lays out the local hazard data and what it means for coverage.
$6,047/yr
About $504/mo · ~$300k-$400k dwelling class
$3,731/yr
About $311/mo after modeled shopping discount
About 38.3% below local market estimate
What FEMA’s ratings say about Diboll
The National Risk Index from FEMA scores Angelina County as relatively low for combined natural-hazard risk. The individual hazards that stand out are strong wind (relatively high), lightning (relatively high) and tornadoes (relatively moderate).
With strong wind rated relatively high, the wind/hail deductible and fence coverage under other structures deserve a look.
FEMA rates lightning relatively high here; ask whether electronics damaged by a surge are covered and at what limit.
FEMA rates tornado risk relatively moderate here; adequate dwelling and other-structures limits matter more than any special endorsement.
With winter weather rated relatively moderate, roof damage from ice and frozen-pipe claims are the usual concerns.
Recent severe weather in Angelina County
From 2016 to 2025, 29 hail events were recorded in Angelina County in NOAA’s Storm Events Database. 22 of those involved stones an inch or larger, the size that commonly damages shingles. The largest reported hail was 1.75 inches on May 20, 2017. Angelina County saw 3 tornadoes in NOAA’s 2016 to 2025 records, the strongest rated EF1 on January 10, 2020.
Severe thunderstorm winds were reported 57 times, the strongest near 81 mph. Flash flooding was logged 56 times over the same decade.
FEMA has issued 8 natural-hazard major disaster declarations covering Angelina County since 2000. Recent ones: Hurricane Beryl (2024), Severe Winter Storms (2021) and Severe Storms, Tornadoes, and Flooding (2016).
Windstorm questions for Diboll homes
Wind coverage in Angelina County stays inside the homeowners policy because the county is outside TWIA’s coastal territory; compare the wind/hail deductible on every quote.
Flood risk and coverage for Diboll
The city takes part in the National Flood Insurance Program, which makes federal flood policies available. Its current effective flood map dates to September 2010. Flood coverage is far from universal: 310 residential NFIP policies in Angelina County, or about 1 per 106 homes. Since 2016, 48 NFIP flood claims have come from Angelina County. Flood needs its own policy, and buying one right before a storm will not help because of the usual 30-day wait.
You can check your flood zone by address at the FEMA Flood Map Service Center.
The homes behind the risk
1971 is the median year built for housing units in Diboll. About 65% of homes went up before 1980, while 8% were built in 2000 or later. Census data shows a median home value of $89,100 in Diboll. That is below the Angelina County median of $163,500. Keep in mind that Coverage A should follow rebuilding cost, not sale price, since the lot itself does not burn or blow away.
Local records and contacts for Diboll
For county-level data, Diboll falls under Angelina County. Angelina County is counted in the Lufkin micro area, a smaller regional hub. Beaumont is the closest larger city, roughly 85 miles away, with Diboll to its northwest.
The Angelina County appraisal district (www.angelinacad.org) publishes the square footage, year built and improvements insurers use to estimate rebuild cost. The district office address is 105 Miles Way, Ste. 300 Lufkin, TX 75901-5980. Diboll is covered by the NWS Shreveport, LA forecast office, which issues local watches and warnings. Its assigned radar site for Diboll is KSHV.
Diboll hazard and coverage questions
What does the hail record look like near Diboll?
Angelina County had 29 hail reports in NOAA’s records for 2016 to 2025, 22 of them with stones an inch or larger. FEMA’s National Risk Index rates the county’s hail risk relatively low. Roof age, roof material and the wind and hail deductible drive most of the price difference between quotes.
Is flood insurance available in Diboll?
Homeowners policies exclude flood, so it takes a separate NFIP or private flood policy. Diboll participates in the National Flood Insurance Program, and its current flood map took effect in September 2010. In Angelina County, about 1 in 106 homes has an NFIP policy. Buy early, because NFIP coverage generally starts 30 days after purchase.
Does my Diboll 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 Angelina County as relatively moderate. Slow leaks, mold and wear are commonly excluded.
Does Texas law require home insurance in Diboll?
Texas does not mandate homeowners insurance, yet nearly every mortgage requires it. Owners without a loan still carry the full cost of a fire, hail or theft loss if uninsured.
Ready to price your Diboll home?
One call to 800-875-4711 or a short online form gets several carriers working on your quote.
Sources and methodology
Figures were retrieved in October 2026 and are estimates with margins of error. The two price cards are modeled estimates from Texas Insurance Resources, not quotes.
- Storm Events Database (NOAA), Angelina County
- County and state comparisons: Angelina County value, Angelina County build year
- FEMA National Risk Index, Angelina County
- Texas Comptroller regions
- Texas Windstorm Insurance Association
- NWS Shreveport, LA
- OMB metro and micro areas
- Census Gazetteer files
- Comptroller CAD listing, Angelina County
- American Community Survey 2020–2024, Diboll city: year built, home value, tenure, median year built, structure type, population
- OpenFEMA flood insurance data, Angelina County
- Community Status Book (NFIP)
- FEMA disaster declarations, Angelina County