Home / Texas Home Insurance Locations / Plano
Home Insurance in Plano, TX
A practical plan for buying home insurance in Plano: the records to pull, the limits to set and the local risks to price in.
A six-step plan for insuring a Plano home
- Gather your home’s details. Before you request quotes, pull your record from the Collin appraisal district at www.collincad.org; the Texas Comptroller’s Collin County directory lists its contact details. The district office address is 250 Eldorado Pkwy. McKinney, TX 75069-8023.
- Set the dwelling limit from rebuild cost. The median owner-estimated home value in Plano is $465,900. The Collin County median is similar, at $475,600. Sale prices and rebuild costs can diverge in either direction, which is why carriers run their own replacement-cost estimate for the dwelling limit.
- Match the deductible to the storm record. Hail turned up 310 times in Collin County in NOAA’s database between 2016 and 2025. 265 of those involved stones an inch or larger, the size that commonly damages shingles. The largest reported hail was 5.25 inches on April 11, 2016. A higher deductible lowers premium, but make sure you could pay it after a storm.
- Confirm who covers wind. There is no TWIA option in Collin County, so the homeowners carrier handles wind and hail, and its deductible for those perils can differ from the all-other-perils deductible.
- Do not skip the flood question. FEMA lists Plano as a participating NFIP community. Its flood map now in force took effect in November 2024. It also holds Community Rating System Class 7, which trims NFIP premiums for high-risk-zone policies by 15%. In Collin County, roughly 1 home in 207 has federal flood coverage (1,451 residential policies in force). Since 2016, 82 NFIP flood claims have come from Collin County. Remember that flood is excluded from homeowners policies and NFIP coverage usually starts 30 days after purchase. Look up your address on the FEMA Flood Map Service Center to see your flood zone.
- Compare quotes on equal terms. Compare roof settlement terms, deductibles and limits, not just premium. Texas Insurance Resources can shop multiple carriers for your Plano home.
$4,990/yr
About $416/mo · ~$300k-$400k dwelling class
$3,084/yr
About $257/mo after modeled shopping discount
About 38.2% below local market estimate
Numbers to keep handy
The National Risk Index from FEMA scores Collin County as relatively high for combined natural-hazard risk. Its leading hazards, by rating, are hail (very high), tornadoes (very high) and inland flooding (relatively high).
Plano and its housing
While a slice of Plano is in Denton County, the bulk of it belongs to Collin County. The Dallas-Fort Worth-Arlington metro area counts Collin County among its central counties. Head about 18 miles from Plano and you reach Dallas, the nearest larger city.
In Plano, 57% of occupied homes are lived in by their owners and 60% of units are detached houses. Apartments and other buildings of five or more units account for roughly 32% of homes here, which makes renters and condo coverage common needs. According to the Census Bureau, the typical home in Plano went up around 1993. Roughly 18% of the housing stock predates 1980 and 31% is from 2000 onward.
The NWS Fort Worth/Dallas, TX office handles forecasts and storm warnings for Plano. Radar coverage comes from the KFWS site.
Plano quote questions
Should I compare quotes every year in Plano?
Yearly is a good habit, plus whenever your premium jumps, you finish a remodel or you replace the roof.
Is a percentage deductible a good idea in Plano?
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. With 265 reports of inch-plus hail in Collin County from 2016 through 2025, it is worth pricing both options.
What does the Plano savings estimate on this page mean?
The estimate cards above model about 38.2% below the local market figure for Plano. Treat it as illustrative; your quote depends on the home, roof, claims history and deductible.
Is home insurance required in Plano?
There is no state requirement. Mortgage contracts, HOA rules and some condo bylaws are what usually make coverage mandatory.
Ready to price your Plano home?
Compare carriers with Texas Insurance Resources. Call 800-875-4711 or request a quote online.
Where the Plano numbers come from
Figures were retrieved in October 2026 and are estimates with margins of error. Price estimates near the top are Texas Insurance Resources models for comparison, not quotes or published averages.
- FEMA disaster declarations, Collin County
- TWIA coverage area
- Comptroller 2024 regions
- OpenFEMA NFIP data, Collin County
- Benchmarks: Collin County value, Collin County build year
- Community Status Book (NFIP)
- NOAA Storm Events Database, Collin County
- NWS Fort Worth/Dallas, TX
- FEMA NRI county ratings, Collin County
- Comptroller CAD listing, Collin County
- Census Bureau ACS five-year data, Plano city: structure type, year built, tenure, home value, median year built, population
- Census CBSA delineation
- Census Gazetteer coordinates