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Home Insurance in Lake Worth, TX
See where Lake Worth stands against county and statewide figures before you compare home insurance quotes.
$4,728/yr
About $394/mo · ~$300k-$400k dwelling class
$2,917/yr
About $243/mo after modeled shopping discount
About 38.3% below local market estimate
Lake Worth compared with Tarrant County and Texas
| Measure | Lake Worth | Tarrant County | Texas |
|---|---|---|---|
| Median home value | $236,700 | $323,900 | $283,800 |
| Median year built | – | 1990 | 1992 |
| Owner-occupied homes | 66% | 59% | 63% |
| Single-family detached | 92% | 65% | 64% |
| Built before 1980 | 61% | 33% | 33% |
| Built 2000 or later | 20% | 36% | 39% |
| Manufactured homes | 2% | 2% | 6% |
Census data shows a median home value of $236,700 in Lake Worth. Across Tarrant County the median is $323,900. 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.
Hazard ratings for Tarrant County
| Hazard | FEMA NRI rating | NOAA reports, 2016–2025 |
|---|---|---|
| Hail | Very High | 465 hail reports |
| Tornadoes | Very High | 20 tornadoes |
| Strong wind | Relatively Moderate | 249 thunderstorm wind reports |
| Inland flooding | Relatively High | 77 flash floods |
| Hurricanes | Relatively Low | – |
| Wildfire | Relatively Moderate | – |
| Winter weather | Very High | – |
| Drought | Relatively Low | – |
| Lightning | Relatively High | – |
Tarrant County lands in the relatively high category of FEMA’s National Risk Index. Its leading hazards, by rating, are hail (very high), tornadoes (very high) and winter weather (very high).
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).
What the comparison means for your policy
- 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.
- NFIP flood policies are available in Lake Worth, a participating community. Its current effective flood map dates to March 2019. Only about 1 in 115 homes in Tarrant County carries an NFIP policy (4,999 residential policies). Since 2016, 458 NFIP flood claims have come from Tarrant County. Standard homeowners policies exclude flood, and a new NFIP policy generally has a 30-day waiting period.
- The split is roughly 61% pre-1980 construction versus 20% built from 2000 on. For older houses, rebuilding to current code can cost more than the original structure, which is why ordinance or law coverage is worth pricing.
Local offices and records
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. Lake Worth is covered by the NWS Fort Worth/Dallas, TX forecast office, which issues local watches and warnings. The associated NEXRAD radar is KFWS.
The county for Lake Worth is Tarrant County. Tarrant County forms part of the urban core of the Dallas-Fort Worth-Arlington metro. Lake Worth lies northwest of Fort Worth, around 5 miles away in a straight line.
Lake Worth coverage questions
What does FEMA’s risk index say about Tarrant County?
FEMA’s National Risk Index rates overall risk in Tarrant County as relatively high. The top-rated hazards are hail (very high), tornadoes (very high) and winter weather (very high). Those are the perils to ask about when you compare deductibles and endorsements.
What is a typical savings range when switching?
The estimate cards above model about 38.3% below the local market figure for Lake Worth. Treat it as illustrative; your quote depends on the home, roof, claims history and deductible.
Has Lake Worth been part of a FEMA disaster declaration?
Since 2000, FEMA has declared 7 natural-hazard major disasters that include Tarrant County. The most recent was Severe Winter Storms, declared in February 2021. Disaster aid rarely covers a full rebuild, which is why adequate limits matter.
Do I have to carry homeowners insurance in Lake Worth?
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.
Get a Lake Worth home insurance quote
Texas Insurance Resources shops multiple carriers for you. Call 800-875-4711 or start online.
Data sources and notes
Public data current as of October 2026; Census figures are survey estimates. Price estimates near the top are Texas Insurance Resources models for comparison, not quotes or published averages.
- FEMA Community Status Book
- TWIA eligibility
- NOAA Storm Events Database, Tarrant County
- Comptroller 2024 regions
- OpenFEMA NFIP data, Tarrant County
- NWS Fort Worth/Dallas, TX
- Comptroller CAD listing, Tarrant County
- Census CBSA delineation
- Census Gazetteer files
- Comparison figures: Tarrant County value, Tarrant County build year, Texas value
- FEMA disaster declarations, Tarrant County
- Census Bureau ACS five-year data, Lake Worth city: home value, population, tenure, median year built, year built, structure type
- FEMA National Risk Index, Tarrant County