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Home Insurance in Lewisville, TX
FEMA rates hail and tornadoes as the leading natural hazards for Denton County. Here is the storm, flood and wind record that shapes home insurance in Lewisville.
$5,347/yr
About $446/mo · ~$300k-$400k dwelling class
$3,010/yr
About $251/mo after modeled shopping discount
About 43.7% below local market estimate
Lewisville hazard snapshot
FEMA’s National Risk Index rates overall natural-hazard risk in Denton County as relatively high. Its leading hazards, by rating, are hail (very high), tornadoes (very high) and ice storms (very high).
FEMA rates hail very high in Denton County; roof material, roof age and prior hail repairs will all show up in underwriting questions.
FEMA rates tornado risk very high here; adequate dwelling and other-structures limits matter more than any special endorsement.
With ice storms rated very high, limbs on roofs and downed fences are the typical claims.
FEMA rates inland flood risk relatively high; flood coverage is separate and worth pricing even outside a mapped high-risk zone.
Recent severe weather in Denton County
Over the ten years from 2016 to 2025, NOAA recorded 373 hail events across Denton County. 298 of those involved stones an inch or larger, the size that commonly damages shingles. The top report was 5.9-inch hail on June 15, 2023. Tornado records for Denton County show 10 touchdowns from 2016 through 2025; the most intense was an EF1 on March 8, 2016.
Severe thunderstorm winds were reported 139 times, the strongest near 96 mph. The same records include 34 flash flood events.
Natural hazards have put Denton County in 7 federal major disaster declarations since 2000. The latest declarations were Severe Storms, Straight-line Winds, Tornadoes, and Flooding (2024), Severe Winter Storms (2021) and Severe Storms, Tornadoes, Straight-line Winds and Flooding (2015).
Windstorm questions for Lewisville homes
Denton County is outside TWIA’s designated catastrophe area, so wind and hail are normally covered by the homeowners policy itself, often with a separate percentage deductible.
Flood exposure and the NFIP in Lewisville
The city takes part in the National Flood Insurance Program, which makes federal flood policies available. Its flood map now in force took effect in July 2014. 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 1,740 residential flood policies in Denton County, about 1 for every 147 homes. Policyholders in the county have filed 122 NFIP claims since 2016. Standard homeowners policies exclude flood, and a new NFIP policy generally has a 30-day waiting period.
The FEMA Flood Map Service Center shows the flood zone for any address.
The homes behind the risk
1997 is the median year built for housing units in Lewisville. Homes built before 1980 make up about 14% of the total; those built since 2000 account for 43%. The typical owner-occupied home in Lewisville is valued at about $378,500. The county-wide figure is higher, at $437,200. 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.
Local offices for Lewisville homeowners
Most of Lewisville lies in Denton County, and the city limits also reach into Dallas County. The federal delineation treats Denton County as part of the wider Dallas-Fort Worth-Arlington metro, on its outer ring. The nearest bigger city is Plano, about 13 miles from Lewisville as the crow flies.
Insurers often check the appraisal district record, so confirm that what the Denton district shows at www.dentoncad.com matches your home. The district office address is 3911 Morse St. Denton, TX 76208-6331. Severe weather warnings for Lewisville come from the NWS Fort Worth/Dallas, TX office. Radar coverage comes from the KFWS site.
Questions about weather risk in Lewisville
What does the hail record look like near Lewisville?
NOAA’s Storm Events Database lists 373 hail reports in Denton County from 2016 through 2025, 298 of them with stones an inch or larger. FEMA’s National Risk Index rates the county’s hail risk very high. Impact-resistant roofing and a deductible you can afford are the two levers worth discussing with an agent.
Are tornadoes covered on a Lewisville home policy?
Yes. Tornadoes fall under the windstorm peril, so the wind and hail deductible applies. Denton County had 10 tornadoes in NOAA’s 2016 to 2025 records, which is a good reason to check your dwelling, other-structures and debris-removal limits.
Does my Lewisville policy cover a burst pipe after a freeze?
Usually, as long as the damage is sudden and the house was heated. Winter weather is rated relatively high in Denton County by FEMA, so know where your main shutoff valve is.
Do I need separate flood insurance in Lewisville?
Homeowners policies exclude flood, so it takes a separate NFIP or private flood policy. Lewisville is an NFIP community, and its current flood map took effect in July 2014. Its Community Rating System Class 8 rating lowers NFIP premiums for many residents. In Denton County, about 1 in 147 homes has an NFIP policy. Buy early, because NFIP coverage generally starts 30 days after purchase.
Get a Lewisville home insurance quote
Compare carriers with Texas Insurance Resources. Call 800-875-4711 or request a quote online.
Where the Lewisville numbers come from
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.
- NFIP data (OpenFEMA), Denton County
- FEMA disaster declarations, Denton County
- NFIP Community Status Book
- Texas Comptroller regions
- FEMA NRI county ratings, Denton County
- Texas property tax directory, Denton County
- NWS Fort Worth/Dallas, TX
- NOAA Storm Events Database, Denton County
- American Community Survey 2020–2024, Lewisville city: structure type, population, year built, home value, tenure, median year built
- Census CBSA delineation
- Census Gazetteer files
- TWIA coverage area
- Benchmarks: Denton County value, Denton County build year