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Home Insurance in Hideaway, TX
FEMA rates winter weather and strong wind as the leading natural hazards for Smith County. Here is the storm, flood and wind record that shapes home insurance in Hideaway.
$5,426/yr
About $452/mo · ~$300k-$400k dwelling class
$3,077/yr
About $256/mo after modeled shopping discount
About 43.3% below local market estimate
Natural hazard profile for Hideaway
Taking all natural hazards together, FEMA rates Smith County relatively moderate. The individual hazards that stand out are winter weather (relatively high), strong wind (relatively high) and lightning (relatively high).
FEMA rates winter weather relatively high here; sudden pipe bursts are typically covered, while slow leaks and mold often are not.
FEMA rates strong wind relatively high; shingles, fences and carports are the usual casualties.
FEMA rates lightning relatively high here; ask whether electronics damaged by a surge are covered and at what limit.
With ice storms rated relatively high, limbs on roofs and downed fences are the typical claims.
Ten years of storm reports in Smith County
Over the ten years from 2016 to 2025, NOAA recorded 103 hail events across Smith County. Stones of one inch or more showed up in 79 of the reports. The largest reported hail was 2.75 inches on June 13, 2023. Between 2016 and 2025, 13 tornadoes touched down in Smith County; the most intense was an EF2 on April 29, 2016.
NOAA also lists 135 thunderstorm wind events, the strongest estimated near 100 mph. Flash flooding was logged 71 times over the same decade.
FEMA has issued 12 natural-hazard major disaster declarations covering Smith County since 2000. The most recent include Severe Storms, Straight-line Winds, Tornadoes, and Flooding (2024), Severe Winter Storms (2021) and Severe Storms and Flooding (2016).
Windstorm questions for Hideaway homes
Wind coverage in Smith 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 Hideaway
Because Hideaway is an NFIP participating community, homeowners can buy National Flood Insurance Program coverage. The effective FEMA flood map for the community is from April 2014. Across Smith County, 458 residential NFIP policies were in force, roughly 1 for every 174 homes. NFIP records show 80 flood claims in the county since 2016. Since homeowners forms exclude flood, plan ahead: most NFIP policies only take effect after a 30-day waiting period.
Look up your address on the FEMA Flood Map Service Center to see your flood zone.
Hideaway housing in brief
Line up every home in Hideaway by age and the one in the middle was built in 1984. Pre-1980 houses are about 41% of the stock, and post-2000 houses about 15%. Median home value: $335,100, according to the latest five-year Census survey. For comparison, Smith County as a whole comes in at $240,700. Your dwelling limit should be built from square footage, materials and local labor costs rather than what the house would sell for.
Where Hideaway homeowners can check the details
Hideaway sits within Smith County. Smith County forms part of the urban core of the Tyler metro. Head about 15 miles from Hideaway and you reach Tyler, the nearest larger city.
Your property record, including square footage and year built, is on the Smith appraisal district site at www.smithcad.org (phone 903-510-8600). Its office is at 245 S. S.E. Loop 323 Tyler, TX 75702-6456. The NWS Shreveport, LA office handles forecasts and storm warnings for Hideaway. The radar the weather service assigns to this point is KSHV.
FAQ: Hideaway storm and flood coverage
Does my Hideaway policy cover a burst pipe after a freeze?
Generally yes, if a pipe bursts suddenly and you kept the home reasonably heated. FEMA rates winter weather risk in Smith County as relatively high. Slow leaks, mold and wear are commonly excluded.
Do I need separate flood insurance in Hideaway?
A standard homeowners policy will not pay for flood damage, so you need a stand-alone flood policy. Hideaway participates in the National Flood Insurance Program, and its current flood map took effect in April 2014. In Smith County, about 1 in 174 homes has an NFIP policy. Most NFIP policies begin after a 30-day wait, so do not wait for a storm forecast.
Is home insurance required in Hideaway?
Only your lender can require it; Texas itself does not. If the home is paid off, the choice is yours, but one serious storm or fire can cost far more than years of premiums.
Are tornadoes covered on a Hideaway home policy?
Yes. Tornadoes fall under the windstorm peril, so the wind and hail deductible applies. Smith County had 13 tornadoes in NOAA’s 2016 to 2025 records, which is a good reason to check your dwelling, other-structures and debris-removal limits.
Compare Hideaway home insurance quotes
One call to 800-875-4711 or a short online form gets several carriers working on your quote.
Sources and methodology
Figures were retrieved in October 2026 and are estimates with margins of error. Price estimates near the top are Texas Insurance Resources models for comparison, not quotes or published averages.
- FEMA NRI county ratings, Smith County
- FEMA declared disasters, Smith County
- NWS Shreveport, LA
- Community Status Book (NFIP)
- Comptroller 2024 regions
- Benchmarks: Smith County value, Smith County build year
- OpenFEMA flood insurance data, Smith County
- American Community Survey 2020–2024, Hideaway city: structure type, tenure, median year built, home value, population, year built
- Census CBSA delineation
- Census Gazetteer coordinates
- TWIA eligibility
- Comptroller county directory, Smith County
- Storm Events Database (NOAA), Smith County