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Home Insurance in Haskell, TX
Storm reports, flood records and FEMA hazard ratings for Haskell County, and what they mean for a Haskell homeowners policy.
$4,028/yr
About $336/mo · ~$300k-$400k dwelling class
$2,352/yr
About $196/mo after modeled shopping discount
About 41.6% below local market estimate
What FEMA’s ratings say about Haskell
FEMA’s National Risk Index rates overall natural-hazard risk in Haskell County as very low. Among individual perils, the top ratings go to drought (relatively moderate).
FEMA rates drought relatively moderate; watering around the foundation in dry months helps, since settling damage is usually excluded.
Recent severe weather in Haskell County
Over the ten years from 2016 to 2025, NOAA recorded 42 hail events across Haskell County. Quarter-size or larger stones, an inch and up, appear in 35 of them. The largest reported hail was 2.5 inches on April 21, 2020. NOAA lists 6 tornadoes in Haskell County between 2016 and 2025, the strongest rated EF2 on February 2, 2024.
There were also 44 damaging-wind reports from thunderstorms, topping out around 90 mph. Flash floods account for 11 more entries in the decade.
Since 2000, Haskell County has been included in 7 federal major disaster declarations for natural hazards. The most recent include Severe Winter Storms (2021), Severe Storms and Flooding (2019) and Severe Winter Storms, Tornadoes, Straight-line Winds, and Flooding (2016).
Who covers wind in Haskell?
Wind coverage in Haskell 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 Haskell
Haskell participates in the National Flood Insurance Program, so NFIP policies are available to residents. The effective FEMA flood map for the community is from September 1987. Only about 1 in 54 homes in Haskell County carries an NFIP policy (54 residential policies). NFIP records show 47 flood claims in the county since 2016. A homeowners policy will not pay for rising water; flood is a separate policy, and NFIP coverage typically takes 30 days to begin.
The FEMA Flood Map Service Center shows the flood zone for any address.
How Haskell homes are built and valued
Line up every home in Haskell by age and the one in the middle was built in 1958. 7% of local homes are from 2000 or later, compared with 75% built before 1980. The median owner-estimated home value in Haskell is $104,500. It tracks the county median of $98,700 fairly closely. A home’s market value is a starting point only; the dwelling limit should reflect labor and materials to rebuild it at today’s prices.
Local records and contacts for Haskell
The county for Haskell is Haskell County. No metro or micro area includes Haskell County, so it is rural by the federal definition. Abilene is the closest larger city, roughly 49 miles away, with Haskell to its north.
Contact details for the Haskell County appraisal district are listed in the Texas Comptroller’s Haskell County directory. Its office is at 604 N. 1st St. Haskell, TX 79521-5616. Watches and warnings for Haskell are issued by NWS San Angelo, TX. Its assigned radar site for Haskell is KDYX.
Haskell hazard and coverage questions
Will my policy cover foundation problems from drought in Haskell?
Usually not. FEMA rates drought risk in Haskell County as relatively moderate, and dry spells can shift foundations on clay soil, but standard policies exclude settling and earth movement. Foundation damage caused by a covered plumbing leak is a common exception.
How do wind and hail deductibles work in Haskell?
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. Haskell County logged 35 reports of hail an inch or larger from 2016 through 2025, so run the numbers both ways.
What does the hail record look like near Haskell?
From 2016 through 2025, NOAA logged 42 hail reports in Haskell County, 35 of them with stones an inch or larger. FEMA’s National Risk Index rates the county’s hail risk relatively low. Compare how each carrier settles roof claims and what a percentage deductible would cost you out of pocket.
Are tornadoes covered on a Haskell home policy?
Yes. Tornadoes fall under the windstorm peril, so the wind and hail deductible applies. Haskell County had 6 tornadoes in NOAA’s 2016 to 2025 records, which is a good reason to check your dwelling, other-structures and debris-removal limits.
Get a Haskell home insurance quote
Texas Insurance Resources shops multiple carriers for you. Call 800-875-4711 or start 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.
- Texas Comptroller regions
- NOAA Storm Events Database, Haskell County
- FEMA National Risk Index, Haskell County
- Census Bureau ACS five-year data, Haskell city: population, median year built, year built, home value, structure type, tenure
- OMB metro and micro areas
- Census Gazetteer files
- Texas property tax directory, Haskell County
- FEMA disaster declarations, Haskell County
- OpenFEMA flood insurance data, Haskell County
- TWIA coverage area
- County and state comparisons: Haskell County value, Haskell County build year
- FEMA Community Status Book
- NWS San Angelo, TX