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Home Insurance in Hooks, TX
Hooks homeowners insure against ice storms and hail first, according to FEMA’s county ratings. This page lays out the local hazard data and what it means for coverage.
$3,853/yr
About $321/mo · ~$300k-$400k dwelling class
$2,285/yr
About $190/mo after modeled shopping discount
About 40.7% below local market estimate
What FEMA’s ratings say about Hooks
Bowie County lands in the relatively low category of FEMA’s National Risk Index. Hazard by hazard, the strongest scores are for ice storms (very high), hail (relatively high) and tornadoes (relatively high).
Ice storms are rated very high in Bowie County; falling trees and limbs are a common claim, and debris removal limits vary.
With hail rated relatively high, the roof is the line item to watch: compare wind/hail deductibles and how each carrier settles roof claims.
With tornadoes rated relatively high, check that loss-of-use coverage would carry you through a long rebuild.
With lightning rated relatively high, a whole-home surge protector is cheap insurance against electrical claims.
Ten years of storm reports in Bowie County
From 2016 to 2025, 48 hail events were recorded in Bowie County in NOAA’s Storm Events Database. Of these, 30 reached at least one inch in diameter. The largest reported hail was 1.75 inches on May 9, 2016. Between 2016 and 2025, 11 tornadoes touched down in Bowie County; the most intense was an EF3 on November 4, 2022.
There were also 83 damaging-wind reports from thunderstorms, topping out around 96 mph. Flash floods account for 22 more entries in the decade.
FEMA has issued 9 natural-hazard major disaster declarations covering Bowie County since 2000. The latest declarations were Hurricane Beryl (2024), Severe Storms, Straight-line Winds, Tornadoes, and Flooding (2024) and Severe Winter Storms (2021).
Who covers wind in Hooks?
TWIA does not write in Bowie County; wind and hail claims go through your regular homeowners policy, which may carry its own wind/hail deductible.
Flood exposure and the NFIP in Hooks
The city takes part in the National Flood Insurance Program, which makes federal flood policies available. Its current effective flood map dates to October 2010. NFIP data counts 215 residential flood policies in Bowie County, about 1 for every 148 homes. NFIP records show 54 flood claims in the county since 2016. 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.
The homes behind the risk
Census estimates put the median construction year for homes in Hooks at 1971. Pre-1980 houses are about 62% of the stock, and post-2000 houses about 12%. Survey samples in Hooks are small, so use the Bowie County median home value of $173,000 as a rough guide. 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.
Where Hooks homeowners can check the details
Hooks belongs to Bowie County. The Texarkana-AR metro area counts Bowie County among its central counties. The nearest bigger city is Longview, about 71 miles from Hooks as the crow flies.
The Bowie County appraisal district (www.bowieappraisal.com) publishes the square footage, year built and improvements insurers use to estimate rebuild cost. Its office is at 122 Plaza W., Suite A Texarkana, TX 75501-5917. The NWS Shreveport, LA office handles forecasts and storm warnings for Hooks. Its assigned radar site for Hooks is KSHV.
FAQ: Hooks storm and flood coverage
Does my Hooks policy cover a burst pipe after a freeze?
Usually, as long as the damage is sudden and the house was heated. Winter weather is rated relatively moderate in Bowie County by FEMA, so know where your main shutoff valve is.
How do wind and hail deductibles work in Hooks?
Pick the deductible you could pay the week after a storm. Percentage deductibles scale with the dwelling limit, so 1% on a $400,000 limit means $4,000 per claim, while flat deductibles stay fixed. With 30 reports of inch-plus hail in Bowie County from 2016 through 2025, it is worth pricing both options.
Are tornadoes covered on a Hooks home policy?
Yes. Tornadoes fall under the windstorm peril, so the wind and hail deductible applies. Bowie 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.
Is home insurance required in Hooks?
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.
Get a Hooks home insurance quote
One call to 800-875-4711 or a short online form gets several carriers working on your quote.
Where the Hooks numbers come from
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.
- Comptroller county directory, Bowie County
- NOAA Storm Events Database, Bowie County
- Census Bureau ACS five-year data, Hooks city: home value, structure type, year built, tenure, median year built, population
- National Risk Index (FEMA), Bowie County
- Census CBSA delineation
- Census Gazetteer coordinates
- FEMA disaster declarations, Bowie County
- Texas Comptroller regions
- Texas Windstorm Insurance Association
- Benchmarks: Bowie County value, Bowie County build year
- OpenFEMA flood insurance data, Bowie County
- NWS Shreveport, LA
- NFIP Community Status Book