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Home Insurance in Oak Leaf, TX
Storm reports, flood records and FEMA hazard ratings for Ellis County, with plain-English notes on how hail and lightning risks show up in a Oak Leaf policy.
$5,463/yr
About $455/mo · ~$300k-$400k dwelling class
$3,365/yr
About $280/mo after modeled shopping discount
About 38.4% below local market estimate
Natural hazard profile for Oak Leaf
In FEMA’s National Risk Index, Ellis County carries an overall rating of relatively moderate. Hazard by hazard, the strongest scores are for hail (relatively high), lightning (relatively high) and tornadoes (relatively moderate).
With hail rated relatively high, the roof is the line item to watch: compare wind/hail deductibles and how each carrier settles roof claims.
Lightning is rated relatively high in Ellis County. Fire from a strike is a covered peril; ask how your policy treats power-surge damage to appliances and electronics.
With tornadoes rated relatively moderate, check that loss-of-use coverage would carry you through a long rebuild.
With inland flooding rated relatively moderate, a separate flood policy is the only way to cover water that enters from outside.
The Ellis County storm record, 2016 to 2025
Hail turned up 142 times in Ellis County in NOAA’s database between 2016 and 2025. Quarter-size or larger stones, an inch and up, appear in 114 of them. The biggest stones, 3.75 inches across, fell on June 14, 2023. Tornado records for Ellis County show 9 touchdowns from 2016 through 2025, topped by an EF2 on May 3, 2021.
Thunderstorm wind reports numbered 39, with a peak near 85 mph. Add 26 flash flood events over those ten years.
Natural hazards have put Ellis 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 Winter Storms, Tornadoes, Straight-line Winds, and Flooding (2016).
Wind and hail coverage in Oak Leaf
Ellis 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 insurance in Oak Leaf
NFIP flood policies are available in Oak Leaf, a participating community. The effective FEMA flood map for the community is from October 2023. NFIP data counts 469 residential flood policies in Ellis County, about 1 for every 129 homes. Since 2016, 66 NFIP flood claims have come from Ellis County. Since homeowners forms exclude flood, plan ahead: most NFIP policies only take effect after a 30-day waiting period.
The FEMA Flood Map Service Center shows the flood zone for any address.
How Oak Leaf homes are built and valued
1986 is the median year built for housing units in Oak Leaf. The split is roughly 32% pre-1980 construction versus 27% built from 2000 on. The median owner-estimated home value in Oak Leaf is $411,300. That is well above the Ellis County median of $348,600. Market value includes land and location, so it is not the same as the cost to rebuild; insure the dwelling to a replacement-cost estimate instead.
Local offices for Oak Leaf homeowners
Ellis County is home to Oak Leaf. Ellis County forms part of the urban core of the Dallas-Fort Worth-Arlington metro. The nearest bigger city is DeSoto, about 6 miles from Oak Leaf as the crow flies.
Square footage and build year on file with the Ellis appraisal district (www.elliscad.org) feed straight into replacement-cost estimates, so check them for errors. You can also visit the office at 400 Ferris Ave. Waxahachie, TX 75165-3302. Severe weather warnings for Oak Leaf come from the NWS Fort Worth/Dallas, TX office. Radar coverage comes from the KFWS site.
FAQ: Oak Leaf storm and flood coverage
Is hail a big risk for Oak Leaf roofs?
Ellis County had 142 hail reports in NOAA’s records for 2016 to 2025, 114 of them with stones an inch or larger. FEMA’s National Risk Index rates the county’s hail risk relatively high. Keep photos of your roof’s condition so a future claim is easier to document.
Does Texas law require home insurance in Oak Leaf?
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.
Is Oak Leaf in the TWIA coverage area?
No. TWIA only writes in the 14 first-tier coastal counties and part of Harris County, and Ellis County is not among them. Your homeowners carrier covers wind and hail.
Does homeowners insurance cover tornado damage in Oak Leaf?
Yes, tornado damage is covered as windstorm, subject to your wind and hail deductible. NOAA records show 9 tornadoes in Ellis County from 2016 through 2025, so confirm your dwelling and loss-of-use limits would cover a full rebuild.
Get an Oak Leaf home insurance quote
Texas Insurance Resources shops multiple carriers for you. Call 800-875-4711 or start online.
Data sources and notes
Public data current as of October 2026; Census figures are survey estimates. Premium figures in the estimate cards are illustrative models, not quotes.
- TWIA eligibility
- Census metro delineation
- Census Gazetteer coordinates
- NFIP Community Status Book
- Storm Events Database (NOAA), Ellis County
- Texas property tax directory, Ellis County
- FEMA declared disasters, Ellis County
- Benchmarks: Ellis County value, Ellis County build year
- National Risk Index (FEMA), Ellis County
- NFIP data (OpenFEMA), Ellis County
- American Community Survey 2020–2024, Oak Leaf city: home value, population, year built, structure type, tenure, median year built
- Comptroller economic regions
- NWS Fort Worth/Dallas, TX