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Home Insurance in Haslet, TX
Side-by-side numbers for Haslet, Tarrant County and the state, covering housing, hazards and flood insurance.
$4,870/yr
About $406/mo · ~$300k-$400k dwelling class
$3,161/yr
About $263/mo after modeled shopping discount
About 35.1% below local market estimate
Haslet, Tarrant County and Texas side by side
| Measure | Haslet | Tarrant County | Texas |
|---|---|---|---|
| Median home value | $616,000 | $323,900 | $283,800 |
| Median year built | 2008 | 1990 | 1992 |
| Owner-occupied homes | 94% | 59% | 63% |
| Single-family detached | 100% | 65% | 64% |
| Built before 1980 | 8% | 33% | 33% |
| Built 2000 or later | 64% | 36% | 39% |
| Manufactured homes | less than 1% | 2% | 6% |
Haslet’s housing is younger than Tarrant County’s overall (2008 versus 1990 median year built). 94% of occupied homes are owner-occupied in Haslet, above the Tarrant County share of 59%.
Owners in Haslet put the median value of their homes at $616,000. For comparison, Tarrant County as a whole comes in at $323,900. Sale prices and rebuild costs can diverge in either direction, which is why carriers run their own replacement-cost estimate for the dwelling limit.
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 | – |
Taking all natural hazards together, FEMA rates Tarrant County relatively high. The individual hazards that stand out are hail (very high), tornadoes (very high) and winter weather (very high).
Counting from 2000, 7 major disaster declarations for natural hazards have included Tarrant County. Among the most recent are Severe Winter Storms (2021), Hurricane Harvey (2017) and Severe Storms, Tornadoes, Straight-line Winds and Flooding (2015).
Turning the Haslet numbers into coverage choices
- Wind coverage in Tarrant County stays inside the homeowners policy because the county is outside TWIA’s coastal territory; compare the wind/hail deductible on every quote.
- Because Haslet is an NFIP participating community, homeowners can buy National Flood Insurance Program coverage. Its flood map now in force took effect in March 2019. Across Tarrant County, 4,999 residential NFIP policies were in force, roughly 1 for every 115 homes. Policyholders in the county have filed 458 NFIP claims since 2016. Since homeowners forms exclude flood, plan ahead: most NFIP policies only take effect after a 30-day waiting period.
- Half of the housing in Haslet dates from 2008 or earlier, per Census estimates. Homes built before 1980 make up about 8% of the total; those built since 2000 account for 64%. Builders’ finishes in newer homes, such as stone counters and custom trim, push replacement cost up, so check that Coverage A keeps pace.
Where to verify Haslet details
Square footage and build year on file with the Tarrant appraisal district (www.tad.org) feed straight into replacement-cost estimates, so check them for errors. The district office address is 2500 Handley-Ederville Rd. Fort Worth, TX 76118-6909. Severe weather warnings for Haslet come from the NWS Fort Worth/Dallas, TX office. Radar coverage comes from the KFWS site.
County figures on this page refer to Tarrant County, which holds the largest share of Haslet; it also extends into Denton County. The Dallas-Fort Worth-Arlington metro area counts Tarrant County among its central counties. Head about 10 miles from Haslet and you reach North Richland Hills, the nearest larger city.
FAQ: Haslet home insurance
Which weather risks matter for insuring a home in Haslet?
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 need a local agent for a Haslet home?
No. Haslet is about 10 miles northwest of North Richland Hills, and carriers rate by address, not by where the agent sits. An independent agency can compare several carriers for your exact location by phone or online.
How much dwelling coverage do Haslet homes need?
Enough to rebuild, which is not the same as market value. Census data puts the Haslet median at $616,000, but your dwelling limit should equal what it would cost to rebuild the house at today’s labor and material prices.
Is home insurance required in Haslet?
State law does not require it. Your lender will, though, and if coverage lapses the lender can place a policy for you that usually costs more and covers less.
Request a Haslet homeowners quote
Compare carriers with Texas Insurance Resources. Call 800-875-4711 or request a quote online.
Where the Haslet numbers come from
All public data on this page was pulled in October 2026. Census numbers are survey estimates. Premium figures in the estimate cards are illustrative models, not quotes.
- NFIP Community Status Book
- Texas Comptroller regions
- NFIP data (OpenFEMA), Tarrant County
- FEMA declared disasters, Tarrant County
- American Community Survey 2020–2024, Haslet city: structure type, population, tenure, home value, median year built, year built
- FEMA NRI county ratings, Tarrant County
- TWIA coverage area
- OMB metro and micro areas
- Census Gazetteer coordinates
- County and state comparisons: Tarrant County value, Tarrant County build year, Texas value
- NWS Fort Worth/Dallas, TX
- Texas property tax directory, Tarrant County
- Storm Events Database (NOAA), Tarrant County