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Home Insurance in Forest Hill, TX
Side-by-side numbers for Forest Hill, Tarrant County and the state, covering housing, hazards and flood insurance.
$5,476/yr
About $456/mo · ~$300k-$400k dwelling class
$3,203/yr
About $267/mo after modeled shopping discount
About 41.5% below local market estimate
Forest Hill, Tarrant County and Texas side by side
| Measure | Forest Hill | Tarrant County | Texas |
|---|---|---|---|
| Median home value | $187,400 | $323,900 | $283,800 |
| Median year built | 1971 | 1990 | 1992 |
| Owner-occupied homes | 72% | 59% | 63% |
| Single-family detached | 91% | 65% | 64% |
| Built before 1980 | 75% | 33% | 33% |
| Built 2000 or later | 19% | 36% | 39% |
| Manufactured homes | less than 1% | 2% | 6% |
The housing stock in Forest Hill is older than Tarrant County’s overall, by median build year (1971 versus 1990). Owner-occupancy is higher than the county figure (72% versus 59%).
Homeowners in Forest Hill report a median value of $187,400. Across Tarrant County the median is $323,900. 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.
Weather risk in Tarrant County, rated
| Hazard | FEMA NRI rating | NOAA reports, 2016–2025 |
|---|---|---|
| Hail | Very High | 465 hail reports |
| Tornadoes | Very High | 20 tornadoes |
| Strong wind | Relatively Moderate | 249 thunderstorm wind reports |
| Inland flooding | Relatively High | 77 flash floods |
| Hurricanes | Relatively Low | – |
| Wildfire | Relatively Moderate | – |
| Winter weather | Very High | – |
| Drought | Relatively Low | – |
| Lightning | Relatively High | – |
In FEMA’s National Risk Index, Tarrant County carries an overall rating of relatively high. The highest-rated individual hazards are hail (very high), tornadoes (very high) and winter weather (very high).
Since 2000, Tarrant County has been included in 7 federal major disaster declarations for natural hazards. The most recent include Severe Winter Storms (2021), Hurricane Harvey (2017) and Severe Storms, Tornadoes, Straight-line Winds and Flooding (2015).
Turning the Forest Hill numbers into coverage choices
- Tarrant County is outside TWIA’s designated catastrophe area, so wind and hail are normally covered by the homeowners policy itself, often with a separate percentage deductible.
- FEMA lists Forest Hill as a participating NFIP community. Its current effective flood map dates to March 2019. NFIP data counts 4,999 residential flood policies in Tarrant County, about 1 for every 115 homes. Since 2016, 458 NFIP flood claims have come from Tarrant County. Remember that flood is excluded from homeowners policies and NFIP coverage usually starts 30 days after purchase.
- Line up every home in Forest Hill by age and the one in the middle was built in 1971. 19% of local homes are from 2000 or later, compared with 75% built before 1980. Some carriers limit how old a home or its systems can be, so receipts for a recent roof, rewiring or plumbing work are worth keeping handy.
Where to verify Forest Hill details
The Tarrant County appraisal district (www.tad.org) publishes the square footage, year built and improvements insurers use to estimate rebuild cost. The district office address is 2500 Handley-Ederville Rd. Fort Worth, TX 76118-6909. The NWS Fort Worth/Dallas, TX office handles forecasts and storm warnings for Forest Hill. The associated NEXRAD radar is KFWS.
Forest Hill sits within Tarrant County. Federal statistical definitions place Tarrant County at the core of the Dallas-Fort Worth-Arlington metro area. Fort Worth is the closest larger city, roughly 10 miles away, with Forest Hill to its southeast.
FAQ: Forest Hill home insurance
What does FEMA’s risk index say about Tarrant County?
Overall, FEMA scores Tarrant County as relatively high. The highest individual ratings are for hail (very high), tornadoes (very high) and winter weather (very high). Flood is the one that needs its own policy; the others are generally covered perils with deductibles.
Do I have to carry homeowners insurance in Forest Hill?
There is no state requirement. Mortgage contracts, HOA rules and some condo bylaws are what usually make coverage mandatory.
How often has Tarrant County had federal disaster declarations?
Since 2000, FEMA has declared 7 natural-hazard major disasters that include Tarrant County. The most recent was Severe Winter Storms, declared in February 2021. Federal aid for homeowners is limited and often comes as SBA disaster loans, so insurance remains the main way to recover.
How much dwelling coverage do Forest Hill homes need?
Enough to rebuild, which is not the same as market value. Census data puts the Forest Hill median at $187,400, but your dwelling limit should equal what it would cost to rebuild the house at today’s labor and material prices.
Get a Forest Hill home insurance quote
Texas Insurance Resources shops multiple carriers for you. Call 800-875-4711 or start online.
Sources and methodology
Public data current as of October 2026; Census figures are survey estimates. Premium figures in the estimate cards are illustrative models, not quotes.
- County and state comparisons: Tarrant County value, Tarrant County build year, Texas value
- TWIA coverage area
- NFIP data (OpenFEMA), Tarrant County
- FEMA declared disasters, Tarrant County
- OMB metro and micro areas
- Census Gazetteer coordinates
- American Community Survey 2020–2024, Forest Hill city: median year built, structure type, home value, year built, tenure, population
- NWS Fort Worth/Dallas, TX
- Texas property tax directory, Tarrant County
- Storm Events Database (NOAA), Tarrant County
- NFIP Community Status Book
- Texas Comptroller regions
- FEMA NRI county ratings, Tarrant County