Home / Texas Home Insurance Locations / Leonard
Home Insurance in Leonard, TX
FEMA rates drought and ice storms as the leading natural hazards for Fannin County. Here is the storm, flood and wind record that shapes home insurance in Leonard.
$5,251/yr
About $438/mo · ~$300k-$400k dwelling class
$3,166/yr
About $264/mo after modeled shopping discount
About 39.7% below local market estimate
What FEMA’s ratings say about Leonard
FEMA’s National Risk Index rates overall natural-hazard risk in Fannin County as relatively low. Hazard by hazard, the strongest scores are for drought (relatively high), ice storms (relatively high) and hail (relatively moderate).
With drought rated relatively high, foundation movement is a concern, but standard policies usually exclude it unless it results from a covered water leak.
With ice storms rated relatively high, limbs on roofs and downed fences are the typical claims.
Hail risk here is relatively moderate. Cosmetic-damage exclusions for metal roofing and roof-age settlement schedules vary by carrier, so read those sections.
Tornadoes rate relatively moderate in Fannin County, so an up-to-date home inventory and enough debris-removal coverage are worth confirming.
The Fannin County storm record, 2016 to 2025
Hail turned up 61 times in Fannin County in NOAA’s database between 2016 and 2025. Stones of one inch or more showed up in 59 of the reports. The largest reported hail was 2.25 inches on February 27, 2017. Between 2016 and 2025, 10 tornadoes touched down in Fannin County, the strongest rated EF2 on April 24, 2020.
NOAA also lists 49 thunderstorm wind events, the strongest estimated near 100 mph. Flash floods account for 8 more entries in the decade.
Fannin County appears in 8 presidential major disaster declarations for weather and other natural hazards from 2000 onward. The latest declarations were Severe Storms, Straight-line Winds, Tornadoes, and Flooding (2024), Severe Winter Storms (2021) and Severe Storms and Flooding (2019).
Who covers wind in Leonard?
TWIA does not write in Fannin 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 Leonard
Because Leonard is an NFIP participating community, homeowners can buy National Flood Insurance Program coverage. The effective FEMA flood map for the community is from February 2011. NFIP data counts 139 residential flood policies in Fannin County, about 1 for every 102 homes. Since 2016, 31 NFIP flood claims have come from Fannin County. Remember that flood is excluded from homeowners policies and NFIP coverage usually starts 30 days after purchase.
The FEMA Flood Map Service Center shows the flood zone for any address.
How Leonard homes are built and valued
Half of the housing in Leonard dates from 1972 or earlier, per Census estimates. About 64% of homes went up before 1980, while 23% were built in 2000 or later. Owners in Leonard put the median value of their homes at $161,100. The county-wide figure is higher, at $233,700. Land value is part of a sale price but not of a rebuild, so the right Coverage A figure can be well above or below market value.
Where Leonard homeowners can check the details
Leonard is in Fannin County. Fannin County makes up part of the Bonham micropolitan area. McKinney is the closest larger city, roughly 27 miles away, with Leonard to its northeast.
Before you request quotes, pull your record from the Fannin appraisal district at www.fannincad.org; the Texas Comptroller’s Fannin County directory lists its contact details. The district office address is 831 W. State Hwy. 56 Bonham, TX 75418-8604. The NWS Fort Worth/Dallas, TX office handles forecasts and storm warnings for Leonard. The associated NEXRAD radar is KFWS.
Leonard hazard and coverage questions
Will my policy cover foundation problems from drought in Leonard?
Usually not. FEMA rates drought risk in Fannin County as relatively high, and dry spells can shift foundations on clay soil, but standard policies exclude settling and earth movement. Foundation damage caused by a covered plumbing leak is a common exception.
How do wind and hail deductibles work in Leonard?
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. Fannin County logged 59 reports of hail an inch or larger from 2016 through 2025, so run the numbers both ways.
Is flood insurance available in Leonard?
Flood is not part of a homeowners policy; it is bought separately through the NFIP or a private insurer. Leonard participates in the National Flood Insurance Program, and its current flood map took effect in February 2011. In Fannin County, about 1 in 102 homes has an NFIP policy. Most NFIP policies begin after a 30-day wait, so do not wait for a storm forecast.
Does homeowners insurance cover tornado damage in Leonard?
Yes, tornado damage is covered as windstorm, subject to your wind and hail deductible. NOAA records show 10 tornadoes in Fannin County from 2016 through 2025, so confirm your dwelling and loss-of-use limits would cover a full rebuild.
Ready to price your Leonard home?
Texas Insurance Resources shops multiple carriers for you. Call 800-875-4711 or start online.
Data sources and notes
Data reflects the most recent releases available in October 2026; survey figures carry margins of error. Premium figures in the estimate cards are illustrative models, not quotes.
- Census ACS 2020–2024, Leonard city: year built, home value, structure type, median year built, tenure, population
- NOAA NCEI storm reports, Fannin County
- Census metro delineation
- Census Gazetteer files
- TWIA coverage area
- Comptroller 2024 regions
- NWS Fort Worth/Dallas, TX
- NFIP Community Status Book
- Benchmarks: Fannin County value, Fannin County build year
- FEMA National Risk Index, Fannin County
- Comptroller county directory, Fannin County
- FEMA declared disasters, Fannin County
- OpenFEMA flood insurance data, Fannin County