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Home Insurance in Eastland, TX
FEMA rates hail and tornadoes as the leading natural hazards for Eastland County. Here is the storm, flood and wind record that shapes home insurance in Eastland.
$4,376/yr
About $365/mo · ~$300k-$400k dwelling class
$2,586/yr
About $216/mo after modeled shopping discount
About 40.9% below local market estimate
Eastland hazard snapshot
FEMA’s county-level National Risk Index puts Eastland County in the very low band overall. Its leading hazards, by rating, are hail (relatively moderate) and tornadoes (relatively moderate).
Hail risk here is relatively moderate. Cosmetic-damage exclusions for metal roofing and roof-age settlement schedules vary by carrier, so read those sections.
Tornado risk is relatively moderate in Eastland County. Tornado damage is covered as windstorm under a homeowners policy, subject to the wind/hail deductible.
Recent severe weather in Eastland County
NOAA’s Storm Events Database logs 32 hail reports in Eastland County from 2016 through 2025. In 31 cases the hail was an inch across or bigger. The biggest stones, 3 inches across, fell on April 26, 2023. Between 2016 and 2025, 3 tornadoes touched down in Eastland County, the strongest rated EF2 on December 13, 2022.
There were also 20 damaging-wind reports from thunderstorms, topping out around 76 mph. NOAA also counts 8 flash flood events in the county in that period.
Eastland County appears in 9 presidential major disaster declarations for weather and other natural hazards from 2000 onward. The most recent include Severe Storms, Straight-line Winds, Tornadoes, and Flooding (2024), Severe Winter Storms (2021) and Severe Storms and Flooding (2016).
Who covers wind in Eastland?
Wind coverage in Eastland 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 Eastland
FEMA lists Eastland as a participating NFIP community. Its flood map now in force took effect in August 1997. In Eastland County, roughly 1 home in 118 has federal flood coverage (71 residential policies in force). Since 2016, 78 NFIP flood claims have come from Eastland County. A homeowners policy will not pay for rising water; flood is a separate policy, and NFIP coverage typically takes 30 days to begin.
Search the FEMA Flood Map Service Center by street address to find your zone.
How Eastland homes are built and valued
14% of local homes are from 2000 or later, compared with 71% built before 1980. The median owner-estimated home value in Eastland is $174,900. That is well above the Eastland County median of $134,800. Sale prices and rebuild costs can diverge in either direction, which is why carriers run their own replacement-cost estimate for the dwelling limit.
Local offices for Eastland homeowners
Eastland County is home to Eastland. By federal definition Eastland County is rural, outside every metro and micro area. By straight-line distance, Eastland is about 54 miles east of Abilene.
Before you request quotes, pull your record from the Eastland appraisal district at www.eastlandcad.org; the Texas Comptroller’s Eastland County directory lists its contact details. Its office is at 211 Inspiration Blvd. Eastland, TX 76448-5514. Severe weather warnings for Eastland come from the NWS Fort Worth/Dallas, TX office. Radar coverage comes from the KDYX site.
Questions about weather risk in Eastland
What does the hail record look like near Eastland?
NOAA’s Storm Events Database lists 32 hail reports in Eastland County from 2016 through 2025, 31 of them with stones an inch or larger. FEMA’s National Risk Index rates the county’s hail risk relatively moderate. Impact-resistant roofing and a deductible you can afford are the two levers worth discussing with an agent.
How does flood coverage work for a Eastland home?
Flood is not part of a homeowners policy; it is bought separately through the NFIP or a private insurer. Eastland participates in the National Flood Insurance Program, and its current flood map took effect in August 1997. In Eastland County, about 1 in 118 homes has an NFIP policy. New NFIP policies usually take 30 days to start.
Is a percentage deductible a good idea in Eastland?
A percentage deductible is calculated on your dwelling limit; for example, 2% of a $300,000 dwelling limit is $6,000 out of pocket per wind or hail claim. A flat-dollar deductible usually costs more in premium but is easier to budget. Eastland County logged 31 reports of hail an inch or larger from 2016 through 2025, so run the numbers both ways.
Is Eastland in the TWIA coverage area?
No. TWIA only writes in the 14 first-tier coastal counties and part of Harris County, and Eastland County is not among them. Your homeowners carrier covers wind and hail.
Get an Eastland home insurance quote
Texas Insurance Resources shops multiple carriers for you. Call 800-875-4711 or start online.
Data sources and notes
Public data current as of October 2026; Census figures are survey estimates. Premium figures in the estimate cards are illustrative models, not quotes.
- FEMA Community Status Book
- FEMA disaster declarations, Eastland County
- NWS Fort Worth/Dallas, TX
- County and state comparisons: Eastland County value, Eastland County build year
- Texas Windstorm Insurance Association
- NOAA NCEI storm reports, Eastland County
- NFIP data (OpenFEMA), Eastland County
- American Community Survey 2020–2024, Eastland city: tenure, year built, home value, structure type, median year built, population
- National Risk Index (FEMA), Eastland County
- Texas property tax directory, Eastland County
- Comptroller 2024 regions
- Census CBSA delineation
- Gazetteer (Census)