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Home Insurance in Josephine, TX
Storm reports, flood records and FEMA hazard ratings for Collin County, with plain-English notes on how hail and tornadoes risks show up in a Josephine policy.
$5,211/yr
About $434/mo · ~$300k-$400k dwelling class
$3,246/yr
About $270/mo after modeled shopping discount
About 37.7% below local market estimate
What FEMA’s ratings say about Josephine
FEMA’s county-level National Risk Index puts Collin County in the relatively high band overall. Among individual perils, the top ratings go to hail (very high), tornadoes (very high) and inland flooding (relatively high).
Hail is rated very high in Collin County. Ask whether your roof is covered at replacement cost or actual cash value, and whether a Class 4 impact-resistant roof earns a credit.
Tornado risk is very high in Collin County. Tornado damage is covered as windstorm under a homeowners policy, subject to the wind/hail deductible.
Inland flooding is rated relatively high in Collin County. That covers river and heavy-rain flooding, which no standard homeowners policy pays for.
Winter weather is rated relatively high in Collin County. Burst pipes from a freeze are generally covered, but carriers expect reasonable heat to be maintained.
Ten years of storm reports in Collin County
From 2016 to 2025, 310 hail events were recorded in Collin County in NOAA’s Storm Events Database. Of these, 265 reached at least one inch in diameter. The biggest stones, 5.25 inches across, fell on April 11, 2016. Between 2016 and 2025, 9 tornadoes touched down in Collin County, the strongest rated EF3 on May 25, 2024.
There were also 108 damaging-wind reports from thunderstorms, topping out around 85 mph. NOAA also counts 27 flash flood events in the county in that period.
Natural hazards have put Collin County in 5 federal major disaster declarations since 2000. Recent ones: Severe Storms, Straight-line Winds, Tornadoes, and Flooding (2024), Severe Winter Storms (2021) and Severe Storms, Tornadoes, and Flooding (2007).
Who covers wind in Josephine?
Since Collin County is not a TWIA county, look at how your homeowners policy handles wind and hail, including whether that deductible is a flat amount or a percentage of the dwelling limit.
Flood risk and coverage for Josephine
The city takes part in the National Flood Insurance Program, which makes federal flood policies available. The effective FEMA flood map for the community is from January 2012. Flood coverage is far from universal: 1,451 residential NFIP policies in Collin County, or about 1 per 207 homes. NFIP records show 82 flood claims in the county since 2016. Remember that flood is excluded from homeowners policies and NFIP coverage usually starts 30 days after purchase.
You can check your flood zone by address at the FEMA Flood Map Service Center.
Josephine housing in brief
Half of the housing in Josephine dates from 2013 or earlier, per Census estimates. Roughly 7% of the housing stock predates 1980 and 84% is from 2000 onward. Census data shows a median home value of $320,200 in Josephine. The county-wide figure is higher, at $475,600. Sale prices and rebuild costs can diverge in either direction, which is why carriers run their own replacement-cost estimate for the dwelling limit.
Where Josephine homeowners can check the details
While a slice of Josephine is in Hunt County, the bulk of it belongs to Collin County. Collin County is a central county of the Dallas-Fort Worth-Arlington metropolitan area. The nearest bigger city is Wylie, about 12 miles from Josephine as the crow flies.
Your property record, including square footage and year built, is on the Collin appraisal district site at www.collincad.org (phone 469-742-9200). You can also visit the office at 250 Eldorado Pkwy. McKinney, TX 75069-8023. For local warnings, the responsible National Weather Service office is NWS Fort Worth/Dallas, TX. The associated NEXRAD radar is KFWS.
Questions about weather risk in Josephine
What does the hail record look like near Josephine?
NOAA’s Storm Events Database lists 310 hail reports in Collin County from 2016 through 2025, 265 of them with stones an inch or larger. FEMA’s National Risk Index rates the county’s hail risk very high. Roof age, roof material and the wind and hail deductible drive most of the price difference between quotes.
Are tornadoes covered on a Josephine home policy?
Yes. Tornadoes fall under the windstorm peril, so the wind and hail deductible applies. Collin County had 9 tornadoes in NOAA’s 2016 to 2025 records, which is a good reason to check your dwelling, other-structures and debris-removal limits.
Does homeowners insurance in Josephine cover flooding?
A standard homeowners policy will not pay for flood damage, so you need a stand-alone flood policy. NFIP coverage is available because Josephine is a participating community, and its current flood map took effect in January 2012. Only about 1 in 207 Collin County homes carries NFIP coverage. New NFIP policies usually take 30 days to start.
Is windstorm insurance through TWIA an option in Josephine?
No. Collin County is outside TWIA’s designated catastrophe area, so wind and hail are covered by the homeowners policy itself, usually with a separate wind and hail deductible.
Request a Josephine homeowners quote
Compare carriers with Texas Insurance Resources. Call 800-875-4711 or request a quote online.
About the data
Figures were retrieved in October 2026 and are estimates with margins of error. The two price cards are modeled estimates from Texas Insurance Resources, not quotes.
- Census metro delineation
- Census Gazetteer files
- OpenFEMA NFIP data, Collin County
- NWS Fort Worth/Dallas, TX
- NOAA Storm Events Database, Collin County
- FEMA NRI county ratings, Collin County
- Census ACS 2020–2024, Josephine city: population, structure type, median year built, tenure, home value, year built
- Texas property tax directory, Collin County
- FEMA Community Status Book
- County and state comparisons: Collin County value, Collin County build year
- TWIA coverage area
- Disaster declarations (FEMA), Collin County
- Texas Comptroller regions