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Home Insurance in Hurst, TX
Storm reports, flood records and FEMA hazard ratings for Tarrant County, with plain-English notes on how hail and tornadoes risks show up in a Hurst policy.
$5,316/yr
About $443/mo · ~$300k-$400k dwelling class
$3,291/yr
About $274/mo after modeled shopping discount
About 38.1% below local market estimate
What FEMA’s ratings say about Hurst
FEMA’s National Risk Index rates overall natural-hazard risk in Tarrant County as relatively high. The individual hazards that stand out are hail (very high), tornadoes (very high) and winter weather (very high).
FEMA rates hail very high in Tarrant County; roof material, roof age and prior hail repairs will all show up in underwriting questions.
Tornadoes rate very high in Tarrant County, so an up-to-date home inventory and enough debris-removal coverage are worth confirming.
With winter weather rated very high, roof damage from ice and frozen-pipe claims are the usual concerns.
Ice storms are rated very high in Tarrant County; falling trees and limbs are a common claim, and debris removal limits vary.
The Tarrant County storm record, 2016 to 2025
From 2016 to 2025, 465 hail events were recorded in Tarrant County in NOAA’s Storm Events Database. In 380 cases the hail was an inch across or bigger. The biggest stones, 5 inches across, fell on June 12, 2023. Between 2016 and 2025, 20 tornadoes touched down in Tarrant County, topped by an EF2 on November 24, 2020.
Straight-line thunderstorm winds generated 249 reports, peaking around 105 mph. The same records include 77 flash flood events.
Natural hazards have put Tarrant County in 7 federal major disaster declarations since 2000. The most recent include Severe Winter Storms (2021), Hurricane Harvey (2017) and Severe Storms, Tornadoes, Straight-line Winds and Flooding (2015).
Wind and hail coverage in Hurst
There is no TWIA option in Tarrant County, so the homeowners carrier handles wind and hail, and its deductible for those perils can differ from the all-other-perils deductible.
Flood risk and coverage for Hurst
FEMA lists Hurst as a participating NFIP community. Its flood map now in force took effect in March 2019. Through FEMA’s Community Rating System it is rated Class 8, worth a 10% discount on NFIP policies in the special flood hazard area. NFIP data counts 4,999 residential flood policies in Tarrant County, about 1 for every 115 homes. NFIP records show 458 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.
Your flood zone is a quick search away on the FEMA Flood Map Service Center.
How Hurst homes are built and valued
Census estimates put the median construction year for homes in Hurst at 1975. Homes built before 1980 make up about 60% of the total; those built since 2000 account for 12%. Owners in Hurst put the median value of their homes at $315,200. That is close to the Tarrant County median of $323,900. Your dwelling limit should be built from square footage, materials and local labor costs rather than what the house would sell for.
Local records and contacts for Hurst
Hurst belongs to Tarrant County. Federal statistical definitions place Tarrant County at the core of the Dallas-Fort Worth-Arlington metro area.
Your property record, including square footage and year built, is on the Tarrant appraisal district site at www.tad.org (phone 817-284-0024). You can also visit the office at 2500 Handley-Ederville Rd. Fort Worth, TX 76118-6909. The NWS Fort Worth/Dallas, TX office handles forecasts and storm warnings for Hurst. Its assigned radar site for Hurst is KFWS.
FAQ: Hurst storm and flood coverage
How often does it hail around Hurst?
NOAA’s Storm Events Database lists 465 hail reports in Tarrant County from 2016 through 2025, 380 of them with stones an inch or larger. FEMA’s National Risk Index rates the county’s hail risk very high. Keep photos of your roof’s condition so a future claim is easier to document.
Do I need separate flood insurance in Hurst?
A standard homeowners policy will not pay for flood damage, so you need a stand-alone flood policy. Hurst is an NFIP community, and its current flood map took effect in March 2019. Its Community Rating System Class 8 rating lowers NFIP premiums for many residents. In Tarrant County, about 1 in 115 homes has an NFIP policy. Most NFIP policies begin after a 30-day wait, so do not wait for a storm forecast.
How do wind and hail deductibles work in Hurst?
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 380 reports of inch-plus hail in Tarrant County from 2016 through 2025, it is worth pricing both options.
Is Hurst in the TWIA coverage area?
No, Tarrant 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.
Request a Hurst homeowners quote
Compare carriers with Texas Insurance Resources. Call 800-875-4711 or request a quote online.
Data sources and notes
Data reflects the most recent releases available in October 2026; survey figures carry margins of error. The two price cards are modeled estimates from Texas Insurance Resources, not quotes.
- Census ACS 2020–2024, Hurst city: home value, tenure, year built, structure type, median year built, population
- FEMA Community Status Book
- County and state comparisons: Tarrant County value, Tarrant County build year
- Texas Windstorm Insurance Association
- Disaster declarations (FEMA), Tarrant County
- FEMA National Risk Index, Tarrant County
- NOAA Storm Events Database, Tarrant County
- Comptroller county directory, Tarrant County
- NWS Fort Worth/Dallas, TX
- Census metro delineation
- OpenFEMA NFIP data, Tarrant County
- Texas Comptroller regions