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Home Insurance in Krugerville, TX
Storm reports, flood records and FEMA hazard ratings for Denton County, with plain-English notes on how hail and tornadoes risks show up in a Krugerville policy.
$5,154/yr
About $430/mo · ~$300k-$400k dwelling class
$2,943/yr
About $245/mo after modeled shopping discount
About 42.9% below local market estimate
What FEMA’s ratings say about Krugerville
Denton County lands in the relatively high category of FEMA’s National Risk Index. The individual hazards that stand out are hail (very high), tornadoes (very high) and ice storms (very high).
A very high hail rating makes the wind/hail deductible one of the biggest pricing levers, since a percentage deductible is based on your dwelling limit, not the claim.
Tornado risk is very high in Denton County. Tornado damage is covered as windstorm under a homeowners policy, subject to the wind/hail deductible.
FEMA rates ice storm risk very high; check how your policy pays for tree removal after a storm.
Inland flooding is rated relatively high in Denton County. That covers river and heavy-rain flooding, which no standard homeowners policy pays for.
The Denton County storm record, 2016 to 2025
From 2016 to 2025, 373 hail events were recorded in Denton County in NOAA’s Storm Events Database. Quarter-size or larger stones, an inch and up, appear in 298 of them. The biggest stones, 5.9 inches across, fell on June 15, 2023. Denton County saw 10 tornadoes in NOAA’s 2016 to 2025 records, the strongest rated EF1 on March 8, 2016.
There were also 139 damaging-wind reports from thunderstorms, topping out around 96 mph. Flash flooding was logged 34 times over the same decade.
Counting from 2000, 7 major disaster declarations for natural hazards have included Denton County. Recent ones: Severe Storms, Straight-line Winds, Tornadoes, and Flooding (2024), Severe Winter Storms (2021) and Severe Storms, Tornadoes, Straight-line Winds and Flooding (2015).
Who covers wind in Krugerville?
There is no TWIA option in Denton 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 Krugerville
Krugerville participates in the National Flood Insurance Program, so NFIP policies are available to residents. Only about 1 in 147 homes in Denton County carries an NFIP policy (1,740 residential policies). NFIP records show 122 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.
How Krugerville homes are built and valued
Census estimates put the median construction year for homes in Krugerville at 2000. Roughly 15% of the housing stock predates 1980 and 51% is from 2000 onward. Homeowners in Krugerville report a median value of $426,000. It tracks the county median of $437,200 fairly closely. Your dwelling limit should be built from square footage, materials and local labor costs rather than what the house would sell for.
Where Krugerville homeowners can check the details
Denton County is home to Krugerville. Denton County counts as an outlying county of the Dallas-Fort Worth-Arlington metro area. Little Elm is the closest larger city, roughly 7 miles away, with Krugerville to its northwest.
Before you request quotes, pull your record from the Denton appraisal district at www.dentoncad.com; the Texas Comptroller’s Denton County directory lists its contact details. Its office is at 3911 Morse St. Denton, TX 76208-6331. Watches and warnings for Krugerville are issued by NWS Fort Worth/Dallas, TX. Its assigned radar site for Krugerville is KFWS.
Krugerville hazard and coverage questions
Is hail a big risk for Krugerville roofs?
Denton County had 373 hail reports in NOAA’s records for 2016 to 2025, 298 of them with stones an inch or larger. FEMA’s National Risk Index rates the county’s hail risk very high. Compare how each carrier settles roof claims and what a percentage deductible would cost you out of pocket.
How do wind and hail deductibles work in Krugerville?
A percentage deductible is calculated on your dwelling limit; for example, 2% of a $300,000 dwelling limit is $6,000 out of pocket per wind or hail claim. A flat-dollar deductible usually costs more in premium but is easier to budget. Denton County logged 298 reports of hail an inch or larger from 2016 through 2025, so run the numbers both ways.
Are frozen pipes covered in Krugerville?
Generally yes, if a pipe bursts suddenly and you kept the home reasonably heated. FEMA rates winter weather risk in Denton County as relatively high. Slow leaks, mold and wear are commonly excluded.
Can I get TWIA windstorm coverage in Krugerville?
No, Denton 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 Krugerville homeowners quote
One call to 800-875-4711 or a short online form gets several carriers working on your quote.
Sources for this Krugerville page
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.
- Storm Events Database (NOAA), Denton County
- FEMA declared disasters, Denton County
- Comptroller economic regions
- Comptroller county directory, Denton County
- Texas Windstorm Insurance Association
- OpenFEMA flood insurance data, Denton County
- NWS Fort Worth/Dallas, TX
- National Risk Index (FEMA), Denton County
- Comparison figures: Denton County value, Denton County build year
- Census ACS 2020–2024, Krugerville city: structure type, median year built, home value, year built, tenure, population
- OMB metro and micro areas
- Census Gazetteer coordinates