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Home Insurance in Paris, TX
Shopping for coverage in Paris? Work through these steps in order and you will compare quotes on equal terms.
How to shop for home insurance in Paris
- Gather your home’s details. The Lamar County appraisal district (www.lamarcad.org) publishes the square footage, year built and improvements insurers use to estimate rebuild cost. The district office address is 521 Bonham St. Paris, TX 75460-4191.
- Set the dwelling limit from rebuild cost. Census data shows a median home value of $150,000 in Paris. The county-wide figure is higher, at $200,700. 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.
- Pick deductibles with local storms in mind. Hail turned up 55 times in Lamar County in NOAA’s database between 2016 and 2025. In 43 cases the hail was an inch across or bigger. On May 9, 2016, observers reported hail as large as 2.75 inches. Price both a flat and a percentage wind/hail deductible before choosing.
- Confirm who covers wind. TWIA does not write in Lamar County; wind and hail claims go through your regular homeowners policy, which may carry its own wind/hail deductible.
- Look at flood separately. FEMA lists Paris as a participating NFIP community. Its current effective flood map dates to August 2011. In Lamar County, roughly 1 home in 146 has federal flood coverage (117 residential policies in force). Policyholders in the county have filed 89 NFIP claims since 2016. Since homeowners forms exclude flood, plan ahead: most NFIP policies only take effect after a 30-day waiting period. Your flood zone is a quick search away on the FEMA Flood Map Service Center.
- Compare apples to apples. Use identical limits and deductibles across quotes so price differences are real. Request Paris quotes from several carriers through one form.
$5,089/yr
About $424/mo · ~$300k-$400k dwelling class
$3,186/yr
About $266/mo after modeled shopping discount
About 37.4% below local market estimate
Numbers to keep handy
FEMA’s county-level National Risk Index puts Lamar County in the relatively low band overall. Among individual perils, the top ratings go to ice storms (very high), hail (relatively high) and tornadoes (relatively high).
About Paris
For county-level data, Paris falls under Lamar County. The Paris micropolitan area includes Lamar County. By straight-line distance, Paris is about 81 miles northeast of Plano.
About 70% of homes in Paris are detached single-family houses; owners occupy 48% of the occupied units. With a renter majority, property owners who lease homes usually need a landlord (DP-1, DP-2 or DP-3) policy, and tenants need their own renters coverage. The median home in Paris was built in 1980. 21% of local homes are from 2000 or later, compared with 50% built before 1980.
Severe weather warnings for Paris come from the NWS Fort Worth/Dallas, TX office. Radar coverage comes from the KFWS site.
Before you buy in Paris
How often should I shop coverage in Paris?
Compare quotes a few weeks before renewal, and any time you replace the roof or add a structure.
Does Texas law require home insurance in Paris?
State law does not require it. Your lender will, though, and if coverage lapses the lender can place a policy for you that usually costs more and covers less.
Are frozen pipes covered in Paris?
Usually, as long as the damage is sudden and the house was heated. Winter weather is rated relatively moderate in Lamar County by FEMA, so know where your main shutoff valve is.
What coverage do landlords and tenants need in Paris?
Renters occupy about 52% of homes in Paris. Landlords generally need a DP-1, DP-2 or DP-3 dwelling policy, and tenants need renters insurance, because the landlord’s policy does not cover a tenant’s belongings.
Compare Paris home insurance quotes
Talk to a licensed Texas Insurance Resources agent at 800-875-4711, or get a quote online.
Sources for this Paris page
Data reflects the most recent releases available in October 2026; survey figures carry margins of error. The two price cards are modeled estimates from Texas Insurance Resources, not quotes.
- FEMA NRI county ratings, Lamar County
- NOAA Storm Events Database, Lamar County
- County and state comparisons: Lamar County value, Lamar County build year
- Census metro delineation
- Census Gazetteer files
- Comptroller economic regions
- Census ACS 2020–2024, Paris city: population, year built, tenure, home value, median year built, structure type
- OpenFEMA flood insurance data, Lamar County
- NWS Fort Worth/Dallas, TX
- Community Status Book (NFIP)
- FEMA declared disasters, Lamar County
- Comptroller CAD listing, Lamar County
- Texas Windstorm Insurance Association