Home Insurance in Nocona, TX

No Texas law requires it, but mortgage lenders almost always do, and they can buy costly force-placed coverage if your policy lapses.

Flood is not part of a homeowners policy; it is bought separately through the NFIP or a private insurer. NFIP coverage is available because Nocona is a participating community, and its current flood map took effect in August 2011. In Montague County, about 1 in 126 homes has an NFIP policy. Buy early, because NFIP coverage generally starts 30 days after purchase.

No. TWIA only writes in the 14 first-tier coastal counties and part of Harris County, and Montague County is not among them. Your homeowners carrier covers wind and hail.

Yes. Tornadoes fall under the windstorm peril, so the wind and hail deductible applies. Montague County had 8 tornadoes in NOAA’s 2016 to 2025 records, which is a good reason to check your dwelling, other-structures and debris-removal limits.

Enough to rebuild, which is not the same as market value. Census data puts the Nocona median at $122,400, but your dwelling limit should equal what it would cost to rebuild the house at today’s labor and material prices.

Usually. Manufactured homes make up about 8% of housing units in Nocona. They are typically written on a manufactured home policy, and tie-downs, age and skirting can affect eligibility.

Generally no. Settling and earth movement are excluded on most homeowners forms, even though drought, rated relatively high in Montague County by FEMA, can move foundations. A covered water leak that damages the slab may be the exception.

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. With 74 reports of inch-plus hail in Montague County from 2016 through 2025, it is worth pricing both options.

From 2016 through 2025, NOAA logged 93 hail reports in Montague County, 74 of them with stones an inch or larger. FEMA’s National Risk Index rates the county’s hail risk relatively low. Roof age, roof material and the wind and hail deductible drive most of the price difference between quotes.