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Home Insurance in Quanah, TX
Storm reports, flood records and FEMA hazard ratings for Hardeman County, with plain-English notes on how strong wind and drought risks show up in a Quanah policy.
$3,864/yr
About $322/mo · ~$300k-$400k dwelling class
$2,423/yr
About $202/mo after modeled shopping discount
About 37.3% below local market estimate
Quanah hazard snapshot
The National Risk Index from FEMA scores Hardeman County as very low for combined natural-hazard risk. The highest-rated individual hazards are strong wind (relatively moderate), drought (relatively moderate) and ice storms (relatively moderate).
Strong wind is rated relatively moderate in Hardeman County, which means straight-line wind claims to roofs and fences are common.
FEMA rates drought relatively moderate; watering around the foundation in dry months helps, since settling damage is usually excluded.
Ice storms are rated relatively moderate in Hardeman County; falling trees and limbs are a common claim, and debris removal limits vary.
Recent severe weather in Hardeman County
Hardeman County had 53 hail reports in NOAA’s storm records for 2016 through 2025. Quarter-size or larger stones, an inch and up, appear in 47 of them. On April 23, 2021, observers reported hail as large as 3.37 inches. NOAA lists 6 tornadoes in Hardeman County between 2016 and 2025.
Thunderstorm wind reports numbered 28, with a peak near 76 mph.
FEMA has issued 5 natural-hazard major disaster declarations covering Hardeman County since 2000. Recent ones: Severe Winter Storms (2021), Severe Winter Storms, Tornadoes, Straight-line Winds, and Flooding (2016) and Wildfires (2011).
Windstorm questions for Quanah homes
Hardeman 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 Quanah
The city takes part in the National Flood Insurance Program, which makes federal flood policies available. Its current effective flood map dates to August 1982. Flood needs its own policy, and buying one right before a storm will not help because of the usual 30-day wait.
Search the FEMA Flood Map Service Center by street address to find your zone.
The homes behind the risk
1960 is the median year built for housing units in Quanah. The split is roughly 88% pre-1980 construction versus 2% built from 2000 on. Census data shows a median home value of $71,100 in Quanah. That is below the Hardeman County median of $81,900. 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.
Where Quanah homeowners can check the details
Hardeman County is home to Quanah. Hardeman County is not part of a metropolitan or micropolitan area in the federal delineation. Quanah lies west of Wichita Falls, around 75 miles away in a straight line.
The Hardeman County appraisal district (www.hardemancad.org) publishes the square footage, year built and improvements insurers use to estimate rebuild cost. Its office is at 403 S. Main St. Quanah, TX 79252-4017. Quanah is covered by the NWS Norman, OK forecast office, which issues local watches and warnings. Radar coverage comes from the KFDR site.
Quanah hazard and coverage questions
How common are hailstorms in Hardeman County?
NOAA’s Storm Events Database lists 53 hail reports in Hardeman County from 2016 through 2025, 47 of them with stones an inch or larger. FEMA’s National Risk Index rates the county’s hail risk relatively low. Compare how each carrier settles roof claims and what a percentage deductible would cost you out of pocket.
Is home insurance required in Quanah?
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.
How does flood coverage work for a Quanah home?
Homeowners policies exclude flood, so it takes a separate NFIP or private flood policy. Quanah participates in the National Flood Insurance Program, and its current flood map took effect in August 1982. Buy early, because NFIP coverage generally starts 30 days after purchase.
Is foundation movement covered for Quanah homes?
Generally no. Settling and earth movement are excluded on most homeowners forms, even though drought, rated relatively moderate in Hardeman County by FEMA, can move foundations. A covered water leak that damages the slab may be the exception.
Request a Quanah homeowners quote
Compare carriers with Texas Insurance Resources. Call 800-875-4711 or request a quote online.
Where the Quanah numbers come from
All public data on this page was pulled in October 2026. Census numbers are survey estimates. Premium figures in the estimate cards are illustrative models, not quotes.
- FEMA declared disasters, Hardeman County
- TWIA eligibility
- FEMA National Risk Index, Hardeman County
- Comptroller county directory, Hardeman County
- Comparison figures: Hardeman County value, Hardeman County build year
- NWS Norman, OK
- Comptroller 2024 regions
- OMB metro and micro areas
- Gazetteer (Census)
- NFIP Community Status Book
- Storm Events Database (NOAA), Hardeman County
- Census Bureau ACS five-year data, Quanah city: population, year built, home value, tenure, median year built, structure type