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Home Insurance in Fresno, TX
Storm reports, flood records and FEMA hazard ratings for Fort Bend County, with plain-English notes on how tornadoes and lightning risks show up in a Fresno policy.
$6,207/yr
About $517/mo · ~$300k-$400k dwelling class
$3,445/yr
About $287/mo after modeled shopping discount
About 44.5% below local market estimate
What FEMA’s ratings say about Fresno
Fort Bend County lands in the relatively high category of FEMA’s National Risk Index. The individual hazards that stand out are tornadoes (very high), lightning (very high) and hurricanes (relatively high).
Tornado risk is very high in Fort Bend County. Tornado damage is covered as windstorm under a homeowners policy, subject to the wind/hail deductible.
FEMA rates lightning very high here; ask whether electronics damaged by a surge are covered and at what limit.
Hurricane risk is relatively high in Fort Bend County. Named-storm deductibles and the split between wind and flood coverage matter most.
Inland flood risk is relatively high in Fort Bend County; heavy rain can flood homes outside mapped zones, and homeowners policies exclude it.
Recent severe weather in Fort Bend County
NOAA’s Storm Events Database logs 24 hail reports in Fort Bend County from 2016 through 2025. 23 of those involved stones an inch or larger, the size that commonly damages shingles. On March 16, 2024, observers reported hail as large as 2.75 inches. Tornado records for Fort Bend County show 11 touchdowns from 2016 through 2025, topped by an EF2 on February 14, 2017.
There were also 34 damaging-wind reports from thunderstorms, topping out around 77 mph. The same records include 23 flash flood events.
Since 2000, Fort Bend County has been included in 11 federal major disaster declarations for natural hazards. The most recent include Hurricane Beryl (2024), Severe Winter Storms (2021) and Hurricane Harvey (2017).
Who covers wind in Fresno?
TWIA does not write in Fort Bend County; wind and hail claims go through your regular homeowners policy, which may carry its own wind/hail deductible.
Flood insurance in Fresno
Homes outside city limits fall under Fort Bend County’s NFIP participation, so federal flood policies are available. Flood coverage is far from universal: 39,537 residential NFIP policies in Fort Bend County, or about 1 per 6 homes. Fort Bend County has produced 5,166 NFIP claims from 2016 on. Standard homeowners policies exclude flood, and a new NFIP policy generally has a 30-day waiting period.
You can check your flood zone by address at the FEMA Flood Map Service Center.
How Fresno homes are built and valued
Census estimates put the median construction year for homes in Fresno at 2006. About 5% of homes went up before 1980, while 77% were built in 2000 or later. Median home value: $243,500, according to the latest five-year Census survey. Fort Bend County overall comes in higher, at $374,500. 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.
Local offices for Fresno homeowners
Fresno is in Fort Bend County. Federal statistical definitions place Fort Bend County at the core of the Houston-Pasadena-The Woodlands metro area. Measured point to point, Fresno sits roughly 4 miles southeast of Missouri City.
Before you request quotes, pull your record from the Fort Bend appraisal district at www.fbcad.org; the Texas Comptroller’s Fort Bend County directory lists its contact details. Its office is at 2801 B.F. Terry Blvd. Rosenberg, TX 77471-5600. The NWS Houston/Galveston, TX office handles forecasts and storm warnings for Fresno. The radar the weather service assigns to this point is KHGX.
FAQ: Fresno storm and flood coverage
Are tornadoes covered on a Fresno home policy?
Yes. Tornadoes fall under the windstorm peril, so the wind and hail deductible applies. Fort Bend County had 11 tornadoes in NOAA’s 2016 to 2025 records, which is a good reason to check your dwelling, other-structures and debris-removal limits.
Will my policy cover foundation problems from drought in Fresno?
Generally no. Settling and earth movement are excluded on most homeowners forms, even though drought, rated relatively moderate in Fort Bend County by FEMA, can move foundations. A covered water leak that damages the slab may be the exception.
Can I get TWIA windstorm coverage in Fresno?
No. TWIA only writes in the 14 first-tier coastal counties and part of Harris County, and Fort Bend County is not among them. Your homeowners carrier covers wind and hail.
What does the hail record look like near Fresno?
Fort Bend County had 24 hail reports in NOAA’s records for 2016 to 2025, 23 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.
Get a Fresno home insurance quote
Talk to a licensed Texas Insurance Resources agent at 800-875-4711, or get a quote online.
Sources and methodology
All public data on this page was pulled in October 2026. Census numbers are survey estimates. Price estimates near the top are Texas Insurance Resources models for comparison, not quotes or published averages.
- FEMA declared disasters, Fort Bend County
- TWIA eligibility
- Benchmarks: Fort Bend County value, Fort Bend County build year
- National Risk Index (FEMA), Fort Bend County
- NFIP data (OpenFEMA), Fort Bend County
- Texas Comptroller regions
- Comptroller county directory, Fort Bend County
- NWS Houston/Galveston, TX
- NOAA NCEI storm reports, Fort Bend County
- Census ACS 2020–2024, Fresno CDP: structure type, tenure, median year built, home value, year built, population
- Census CBSA delineation
- Gazetteer (Census)