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Home Insurance in Oak Point, TX
Oak Point homeowners insure against hail and tornadoes first, according to FEMA’s county ratings. This page lays out the local hazard data and what it means for coverage.
$5,224/yr
About $435/mo · ~$300k-$400k dwelling class
$3,296/yr
About $275/mo after modeled shopping discount
About 36.9% below local market estimate
Natural hazard profile for Oak Point
In FEMA’s National Risk Index, Denton County carries an overall rating of relatively high. The highest-rated individual hazards are hail (very high), tornadoes (very high) and ice storms (very high).
Hail is rated very high in Denton County. Ask whether your roof is covered at replacement cost or actual cash value, and whether a Class 4 impact-resistant roof earns a credit.
With tornadoes rated very high, check that loss-of-use coverage would carry you through a long rebuild.
Ice storms are rated very high in Denton County; falling trees and limbs are a common claim, and debris removal limits vary.
With inland flooding rated relatively high, a separate flood policy is the only way to cover water that enters from outside.
Ten years of storm reports in Denton County
Denton County had 373 hail reports in NOAA’s storm records for 2016 through 2025. Of these, 298 reached at least one inch in diameter. On June 15, 2023, observers reported hail as large as 5.9 inches. Between 2016 and 2025, 10 tornadoes touched down in Denton County, topped by an EF1 on March 8, 2016.
Straight-line thunderstorm winds generated 139 reports, peaking around 96 mph. NOAA also counts 34 flash flood events in the county in that period.
Since 2000, Denton County has been included in 7 federal major disaster declarations for natural hazards. Among the most recent are Severe Storms, Straight-line Winds, Tornadoes, and Flooding (2024), Severe Winter Storms (2021) and Severe Storms, Tornadoes, Straight-line Winds and Flooding (2015).
Wind and hail coverage in Oak Point
TWIA does not write in Denton County; wind and hail claims go through your regular homeowners policy, which may carry its own wind/hail deductible.
Flood insurance in Oak Point
Because Oak Point is an NFIP participating community, homeowners can buy National Flood Insurance Program coverage. Its current effective flood map dates to June 2020. Flood coverage is far from universal: 1,740 residential NFIP policies in Denton County, or about 1 per 147 homes. Since 2016, 122 NFIP flood claims have come from Denton County. Remember that flood is excluded from homeowners policies and NFIP coverage usually starts 30 days after purchase.
You can check your flood zone by address at the FEMA Flood Map Service Center.
Oak Point housing in brief
Line up every home in Oak Point by age and the one in the middle was built in 2008. The split is roughly 4% pre-1980 construction versus 79% built from 2000 on. The median owner-estimated home value in Oak Point is $395,900. Denton County as a whole is in the same range, at $437,200. 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 records and contacts for Oak Point
The county for Oak Point is Denton County. Denton County belongs to the Dallas-Fort Worth-Arlington metropolitan area as an outlying county. Measured point to point, Oak Point sits roughly 4 miles west of Little Elm.
Square footage and build year on file with the Denton appraisal district (www.dentoncad.com) feed straight into replacement-cost estimates, so check them for errors. You can also visit the office at 3911 Morse St. Denton, TX 76208-6331. Oak Point is covered by the NWS Fort Worth/Dallas, TX forecast office, which issues local watches and warnings. The associated NEXRAD radar is KFWS.
FAQ: Oak Point storm and flood coverage
How often does it hail around Oak Point?
From 2016 through 2025, NOAA logged 373 hail reports in Denton County, 298 of them with stones an inch or larger. FEMA’s National Risk Index rates the county’s hail risk very high. Keep photos of your roof’s condition so a future claim is easier to document.
Do I have to carry homeowners insurance in Oak Point?
There is no state requirement. Mortgage contracts, HOA rules and some condo bylaws are what usually make coverage mandatory.
Does homeowners insurance in Oak Point cover flooding?
Flood is not part of a homeowners policy; it is bought separately through the NFIP or a private insurer. Oak Point participates in the National Flood Insurance Program, and its current flood map took effect in June 2020. Only about 1 in 147 Denton County homes carries NFIP coverage. New NFIP policies usually take 30 days to start.
Does TWIA cover homes in Oak Point?
No. TWIA only writes in the 14 first-tier coastal counties and part of Harris County, and Denton County is not among them. Your homeowners carrier covers wind and hail.
Compare Oak Point home insurance quotes
Texas Insurance Resources shops multiple carriers for you. Call 800-875-4711 or start online.
Data sources and notes
Figures were retrieved in October 2026 and are estimates with margins of error. The two price cards are modeled estimates from Texas Insurance Resources, not quotes.
- Census Bureau ACS five-year data, Oak Point city: year built, home value, structure type, population, median year built, tenure
- FEMA National Risk Index, Denton County
- FEMA Community Status Book
- OpenFEMA NFIP data, Denton County
- Comptroller CAD listing, Denton County
- Disaster declarations (FEMA), Denton County
- TWIA eligibility
- Census metro delineation
- Gazetteer (Census)
- NOAA NCEI storm reports, Denton County
- NWS Fort Worth/Dallas, TX
- Comptroller 2024 regions
- County and state comparisons: Denton County value, Denton County build year