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Home Insurance in Gun Barrel, TX
Storm reports, flood records and FEMA hazard ratings for Henderson County, with plain-English notes on how tornadoes and strong wind risks show up in a Gun Barrel policy.
$5,363/yr
About $447/mo · ~$300k-$400k dwelling class
$2,971/yr
About $248/mo after modeled shopping discount
About 44.6% below local market estimate
What FEMA’s ratings say about Gun Barrel
FEMA’s county-level National Risk Index puts Henderson County in the relatively moderate band overall. Its leading hazards, by rating, are tornadoes (relatively high), strong wind (relatively high) and lightning (relatively high).
Tornado risk is relatively high in Henderson County. Tornado damage is covered as windstorm under a homeowners policy, subject to the wind/hail deductible.
With strong wind rated relatively high, the wind/hail deductible and fence coverage under other structures deserve a look.
Lightning is rated relatively high in Henderson County. Fire from a strike is a covered peril; ask how your policy treats power-surge damage to appliances and electronics.
Ice storms are rated relatively high in Henderson County; falling trees and limbs are a common claim, and debris removal limits vary.
The Henderson County storm record, 2016 to 2025
Over the ten years from 2016 to 2025, NOAA recorded 60 hail events across Henderson County. In 48 cases the hail was an inch across or bigger. The biggest stones, 2.75 inches across, fell on June 1, 2024. Tornado records for Henderson County show 7 touchdowns from 2016 through 2025, the strongest rated EF2 on April 29, 2017.
Straight-line thunderstorm winds generated 28 reports, peaking around 75 mph. The same records include 5 flash flood events.
Counting from 2000, 10 major disaster declarations for natural hazards have included Henderson County. The most recent include Severe Storms, Straight-line Winds, Tornadoes, and Flooding (2024), Severe Winter Storm (2023) and Severe Winter Storms (2021).
Who covers wind in Gun Barrel?
Wind coverage in Henderson County stays inside the homeowners policy because the county is outside TWIA’s coastal territory; compare the wind/hail deductible on every quote.
Flood insurance in Gun Barrel
Gun Barrel participates in the National Flood Insurance Program, so NFIP policies are available to residents. Its flood map now in force took effect in April 2010. Only about 1 in 180 homes in Henderson County carries an NFIP policy (225 residential policies). Since 2016, 33 NFIP flood claims have come from Henderson County. A homeowners policy will not pay for rising water; flood is a separate policy, and NFIP coverage typically takes 30 days to begin.
Your flood zone is a quick search away on the FEMA Flood Map Service Center.
How Gun Barrel homes are built and valued
Line up every home in Gun Barrel by age and the one in the middle was built in 1989. 35% of local homes are from 2000 or later, compared with 32% built before 1980. The median owner-estimated home value in Gun Barrel is $237,300. The Henderson County median is similar, at $211,300. Market value includes land and location, so it is not the same as the cost to rebuild; insure the dwelling to a replacement-cost estimate instead.
Local records and contacts for Gun Barrel
For county-level data, Gun Barrel falls under Henderson County. Henderson County makes up part of the Athens micropolitan area. Mesquite is the closest larger city, roughly 40 miles away, with Gun Barrel to its southeast.
Square footage and build year on file with the Henderson appraisal district (www.henderson-cad.org) feed straight into replacement-cost estimates, so check them for errors. You can also visit the office at 1751 Enterprise St. Athens, TX 75751-8827. Gun Barrel is covered by the NWS Fort Worth/Dallas, TX forecast office, which issues local watches and warnings. The radar the weather service assigns to this point is KFWS.
FAQ: Gun Barrel storm and flood coverage
Are tornadoes covered on a Gun Barrel home policy?
Yes. Tornadoes fall under the windstorm peril, so the wind and hail deductible applies. Henderson County had 7 tornadoes in NOAA’s 2016 to 2025 records, which is a good reason to check your dwelling, other-structures and debris-removal limits.
What does the hail record look like near Gun Barrel?
Henderson County had 60 hail reports in NOAA’s records for 2016 to 2025, 48 of them with stones an inch or larger. FEMA’s National Risk Index rates the county’s hail risk relatively moderate. Keep photos of your roof’s condition so a future claim is easier to document.
Can I get TWIA windstorm coverage in Gun Barrel?
No, Henderson County is not in TWIA territory. Look instead at the wind and hail deductible on your homeowners quotes, since that is where storm costs land.
Are frozen pipes covered in Gun Barrel?
Usually, as long as the damage is sudden and the house was heated. Winter weather is rated relatively moderate in Henderson County by FEMA, so know where your main shutoff valve is.
Get a Gun Barrel home insurance quote
One call to 800-875-4711 or a short online form gets several carriers working on your quote.
About the data
Public data current as of October 2026; Census figures are survey estimates. Premium figures in the estimate cards are illustrative models, not quotes.
- NWS Fort Worth/Dallas, TX
- FEMA NRI county ratings, Henderson County
- NOAA Storm Events Database, Henderson County
- Community Status Book (NFIP)
- Census ACS 2020–2024, Gun Barrel City city: tenure, population, structure type, home value, year built, median year built
- NFIP data (OpenFEMA), Henderson County
- Benchmarks: Henderson County value, Henderson County build year
- FEMA disaster declarations, Henderson County
- Comptroller economic regions
- Comptroller CAD listing, Henderson County
- OMB metro and micro areas
- Census Gazetteer files
- TWIA eligibility