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Home Insurance in Mount Vernon, TX
Storm reports, flood records and FEMA hazard ratings for Franklin County, with plain-English notes on how ice storms and tornadoes risks show up in a Mount Vernon policy.
$5,129/yr
About $427/mo · ~$300k-$400k dwelling class
$3,144/yr
About $262/mo after modeled shopping discount
About 38.7% below local market estimate
What FEMA’s ratings say about Mount Vernon
Taking all natural hazards together, FEMA rates Franklin County very low. Its leading hazards, by rating, are ice storms (relatively high), tornadoes (relatively moderate) and drought (relatively moderate).
Ice storms are rated relatively high in Franklin County; falling trees and limbs are a common claim, and debris removal limits vary.
FEMA rates tornado risk relatively moderate here; adequate dwelling and other-structures limits matter more than any special endorsement.
FEMA rates drought relatively moderate; watering around the foundation in dry months helps, since settling damage is usually excluded.
Ten years of storm reports in Franklin County
NOAA’s Storm Events Database logs 23 hail reports in Franklin County from 2016 through 2025. 18 of those involved stones an inch or larger, the size that commonly damages shingles. The largest reported hail was 1.75 inches on March 17, 2021. Tornado records for Franklin County show 4 touchdowns from 2016 through 2025, topped by an EF2 on May 29, 2019.
There were also 27 damaging-wind reports from thunderstorms, topping out around 104 mph. Flash flooding was logged 4 times over the same decade.
Since 2000, Franklin County has been included in 9 federal major disaster declarations for natural hazards. Recent ones: Severe Winter Storm (2023), Severe Winter Storms (2021) and Severe Storms and Flooding (2019).
Windstorm questions for Mount Vernon homes
Wind coverage in Franklin 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 Mount Vernon
FEMA lists Mount Vernon as a participating NFIP community. The flood insurance rate map in effect was issued in June 1985. Across Franklin County, 10 residential NFIP policies were in force, roughly 1 for every 482 homes. Standard homeowners policies exclude flood, and a new NFIP policy generally has a 30-day waiting period.
Your flood zone is a quick search away on the FEMA Flood Map Service Center.
The homes behind the risk
1985 is the median year built for housing units in Mount Vernon. 27% of local homes are from 2000 or later, compared with 36% built before 1980. Census data shows a median home value of $178,500 in Mount Vernon. Across Franklin County the median is $226,300. 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 records and contacts for Mount Vernon
Mount Vernon sits within Franklin County. By federal definition Franklin County is rural, outside every metro and micro area. Tyler is the closest larger city, roughly 60 miles away, with Mount Vernon to its north.
The Franklin County appraisal district (www.franklin-cad.org) publishes the square footage, year built and improvements insurers use to estimate rebuild cost. The district office address is 310 W. Main St. Mount Vernon, TX 75457-2338. Mount Vernon is covered by the NWS Shreveport, LA forecast office, which issues local watches and warnings. Its assigned radar site for Mount Vernon is KSHV.
FAQ: Mount Vernon storm and flood coverage
Does Texas law require home insurance in Mount Vernon?
Texas does not mandate homeowners insurance, yet nearly every mortgage requires it. Owners without a loan still carry the full cost of a fire, hail or theft loss if uninsured.
How common are hailstorms in Franklin County?
From 2016 through 2025, NOAA logged 23 hail reports in Franklin County, 18 of them with stones an inch or larger. FEMA’s National Risk Index rates the county’s hail risk relatively low. Impact-resistant roofing and a deductible you can afford are the two levers worth discussing with an agent.
Are tornadoes covered on a Mount Vernon home policy?
Yes. Tornadoes fall under the windstorm peril, so the wind and hail deductible applies. Franklin County had 4 tornadoes in NOAA’s 2016 to 2025 records, which is a good reason to check your dwelling, other-structures and debris-removal limits.
Is a percentage deductible a good idea in Mount Vernon?
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. Franklin County logged 18 reports of hail an inch or larger from 2016 through 2025, so run the numbers both ways.
Request a Mount Vernon homeowners quote
Compare carriers with Texas Insurance Resources. Call 800-875-4711 or request a quote online.
About the data
Figures were retrieved in October 2026 and are estimates with margins of error. Premium figures in the estimate cards are illustrative models, not quotes.
- OMB metro and micro areas
- Census Gazetteer files
- American Community Survey 2020–2024, Mount Vernon town: year built, home value, median year built, tenure, structure type, population
- FEMA NRI county ratings, Franklin County
- Comptroller county directory, Franklin County
- Comptroller economic regions
- Texas Windstorm Insurance Association
- NFIP data (OpenFEMA), Franklin County
- NWS Shreveport, LA
- NFIP Community Status Book
- Comparison figures: Franklin County value, Franklin County build year
- NOAA Storm Events Database, Franklin County
- FEMA disaster declarations, Franklin County