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Home Insurance in Lucas, TX
FEMA rates hail and tornadoes as the leading natural hazards for Collin County. Here is the storm, flood and wind record that shapes home insurance in Lucas.
$4,716/yr
About $393/mo · ~$300k-$400k dwelling class
$2,834/yr
About $236/mo after modeled shopping discount
About 39.9% below local market estimate
Lucas hazard snapshot
Taking all natural hazards together, FEMA rates Collin County relatively high. Hazard by hazard, the strongest scores are for hail (very high), tornadoes (very high) and inland flooding (relatively high).
With hail rated very high, the roof is the line item to watch: compare wind/hail deductibles and how each carrier settles roof claims.
FEMA rates tornado risk very high here; adequate dwelling and other-structures limits matter more than any special endorsement.
FEMA rates inland flood risk relatively high; flood coverage is separate and worth pricing even outside a mapped high-risk zone.
FEMA rates winter weather relatively high here; sudden pipe bursts are typically covered, while slow leaks and mold often are not.
The Collin County storm record, 2016 to 2025
Over the ten years from 2016 to 2025, NOAA recorded 310 hail events across Collin County. Stones of one inch or more showed up in 265 of the reports. The top report was 5.25-inch hail on April 11, 2016. NOAA lists 9 tornadoes in Collin County between 2016 and 2025; the most intense was an EF3 on May 25, 2024.
Severe thunderstorm winds were reported 108 times, the strongest near 85 mph. Add 27 flash flood events over those ten years.
Since 2000, Collin County has been included in 5 federal major disaster declarations for natural hazards. The latest declarations were Severe Storms, Straight-line Winds, Tornadoes, and Flooding (2024), Severe Winter Storms (2021) and Severe Storms, Tornadoes, and Flooding (2007).
Windstorm questions for Lucas homes
Wind coverage in Collin County stays inside the homeowners policy because the county is outside TWIA’s coastal territory; compare the wind/hail deductible on every quote.
Flood exposure and the NFIP in Lucas
Because Lucas is an NFIP participating community, homeowners can buy National Flood Insurance Program coverage. Its flood map now in force took effect in June 2009. In Collin County, roughly 1 home in 207 has federal flood coverage (1,451 residential policies in force). Policyholders in the county have filed 82 NFIP claims since 2016. A homeowners policy will not pay for rising water; flood is a separate policy, and NFIP coverage typically takes 30 days to begin.
Your flood zone is a quick search away on the FEMA Flood Map Service Center.
How Lucas homes are built and valued
Census estimates put the median construction year for homes in Lucas at 2005. Homes built before 1980 make up about 11% of the total; those built since 2000 account for 64%. Median home value: $941,900, according to the latest five-year Census survey. The Collin County figure is lower, at $475,600. 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.
Local offices for Lucas homeowners
Lucas sits within Collin County. In the federal metro delineation, Collin County anchors the Dallas-Fort Worth-Arlington metro. Measured point to point, Lucas sits roughly 5 miles east of Allen.
The Collin County appraisal district (www.collincad.org) publishes the square footage, year built and improvements insurers use to estimate rebuild cost. Its office is at 250 Eldorado Pkwy. McKinney, TX 75069-8023. Watches and warnings for Lucas are issued by NWS Fort Worth/Dallas, TX. The radar the weather service assigns to this point is KFWS.
FAQ: Lucas storm and flood coverage
How often does it hail around Lucas?
From 2016 through 2025, NOAA logged 310 hail reports in Collin County, 265 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.
Are frozen pipes covered in Lucas?
Generally yes, if a pipe bursts suddenly and you kept the home reasonably heated. FEMA rates winter weather risk in Collin County as relatively high. Slow leaks, mold and wear are commonly excluded.
Is flood insurance available in Lucas?
Homeowners policies exclude flood, so it takes a separate NFIP or private flood policy. Lucas is an NFIP community, and its current flood map took effect in June 2009. In Collin County, about 1 in 207 homes has an NFIP policy. Most NFIP policies begin after a 30-day wait, so do not wait for a storm forecast.
Is homeowners coverage mandatory for Lucas homeowners?
There is no state requirement. Mortgage contracts, HOA rules and some condo bylaws are what usually make coverage mandatory.
Get a Lucas home insurance quote
Texas Insurance Resources shops multiple carriers for you. Call 800-875-4711 or start online.
Sources for this Lucas page
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.
- American Community Survey 2020–2024, Lucas city: year built, structure type, population, home value, median year built, tenure
- OpenFEMA flood insurance data, Collin County
- Comptroller CAD listing, Collin County
- Comptroller 2024 regions
- Comparison figures: Collin County value, Collin County build year
- NOAA NCEI storm reports, Collin County
- TWIA eligibility
- OMB metro and micro areas
- Gazetteer (Census)
- NWS Fort Worth/Dallas, TX
- FEMA National Risk Index, Collin County
- Community Status Book (NFIP)
- FEMA declared disasters, Collin County