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Home Insurance in Ferris, TX
Ferris homeowners insure against hail and lightning first, according to FEMA’s county ratings. This page lays out the local hazard data and what it means for coverage.
$5,241/yr
About $437/mo · ~$300k-$400k dwelling class
$3,354/yr
About $280/mo after modeled shopping discount
About 36% below local market estimate
Ferris hazard snapshot
FEMA’s National Risk Index rates overall natural-hazard risk in Ellis County as relatively moderate. Among individual perils, the top ratings go to hail (relatively high), lightning (relatively high) and tornadoes (relatively moderate).
Hail is rated relatively high in Ellis County. Ask whether your roof is covered at replacement cost or actual cash value, and whether a Class 4 impact-resistant roof earns a credit.
With lightning rated relatively high, a whole-home surge protector is cheap insurance against electrical claims.
FEMA rates tornado risk relatively moderate here; adequate dwelling and other-structures limits matter more than any special endorsement.
FEMA rates inland flood risk relatively moderate; flood coverage is separate and worth pricing even outside a mapped high-risk zone.
Ten years of storm reports in Ellis County
Ellis County had 142 hail reports in NOAA’s storm records for 2016 through 2025. In 114 cases the hail was an inch across or bigger. The largest reported hail was 3.75 inches on June 14, 2023. Ellis County saw 9 tornadoes in NOAA’s 2016 to 2025 records; the most intense was an EF2 on May 3, 2021.
NOAA also lists 39 thunderstorm wind events, the strongest estimated near 85 mph. NOAA also counts 26 flash flood events in the county in that period.
Counting from 2000, 7 major disaster declarations for natural hazards have included Ellis County. Recent ones: Severe Storms, Straight-line Winds, Tornadoes, and Flooding (2024), Severe Winter Storms (2021) and Severe Winter Storms, Tornadoes, Straight-line Winds, and Flooding (2016).
Windstorm questions for Ferris homes
There is no TWIA option in Ellis County, so the homeowners carrier handles wind and hail, and its deductible for those perils can differ from the all-other-perils deductible.
Flood exposure and the NFIP in Ferris
Because Ferris is an NFIP participating community, homeowners can buy National Flood Insurance Program coverage. The flood insurance rate map in effect was issued in July 2014. Only about 1 in 129 homes in Ellis County carries an NFIP policy (469 residential policies). Policyholders in the county have filed 66 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.
Ferris housing in brief
Census estimates put the median construction year for homes in Ferris at 1985. Homes built before 1980 make up about 42% of the total; those built since 2000 account for 35%. The typical owner-occupied home in Ferris is valued at about $261,800. Ellis County overall comes in higher, at $348,600. 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 Ferris homeowners can check the details
Ferris straddles county lines; county-level figures here use Ellis County, though parts of Ferris sit in Dallas County. The Dallas-Fort Worth-Arlington metro area counts Ellis County among its central counties. DeSoto is the closest larger city, roughly 12 miles away, with Ferris to its east.
Insurers often check the appraisal district record, so confirm that what the Ellis district shows at www.elliscad.org matches your home. The district office address is 400 Ferris Ave. Waxahachie, TX 75165-3302. Watches and warnings for Ferris are issued by NWS Fort Worth/Dallas, TX. Its assigned radar site for Ferris is KFWS.
Questions about weather risk in Ferris
How common are hailstorms in Ellis County?
From 2016 through 2025, NOAA logged 142 hail reports in Ellis County, 114 of them with stones an inch or larger. FEMA’s National Risk Index rates the county’s hail risk relatively high. Impact-resistant roofing and a deductible you can afford are the two levers worth discussing with an agent.
What wind and hail deductible should I choose in Ferris?
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 114 reports of inch-plus hail in Ellis County from 2016 through 2025, it is worth pricing both options.
Are tornadoes covered on a Ferris home policy?
Yes. Tornadoes fall under the windstorm peril, so the wind and hail deductible applies. Ellis County had 9 tornadoes in NOAA’s 2016 to 2025 records, which is a good reason to check your dwelling, other-structures and debris-removal limits.
Can I get TWIA windstorm coverage in Ferris?
No. Ellis County is outside TWIA’s designated catastrophe area, so wind and hail are covered by the homeowners policy itself, usually with a separate wind and hail deductible.
Request a Ferris homeowners quote
Compare carriers with Texas Insurance Resources. Call 800-875-4711 or request a quote online.
Where the Ferris numbers come from
All public data on this page was pulled in October 2026. Census numbers are survey estimates. The two price cards are modeled estimates from Texas Insurance Resources, not quotes.
- Census CBSA delineation
- Gazetteer (Census)
- Comparison figures: Ellis County value, Ellis County build year
- Disaster declarations (FEMA), Ellis County
- Census ACS 2020–2024, Ferris city: home value, population, median year built, tenure, structure type, year built
- Comptroller county directory, Ellis County
- Comptroller 2024 regions
- NOAA NCEI storm reports, Ellis County
- NWS Fort Worth/Dallas, TX
- FEMA National Risk Index, Ellis County
- Community Status Book (NFIP)
- OpenFEMA flood insurance data, Ellis County
- TWIA coverage area