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Home Insurance in Rowlett, TX
FEMA rates hail and tornadoes as the leading natural hazards for Dallas County. Here is the storm, flood and wind record that shapes home insurance in Rowlett.
$5,362/yr
About $447/mo · ~$300k-$400k dwelling class
$3,400/yr
About $283/mo after modeled shopping discount
About 36.6% below local market estimate
What FEMA’s ratings say about Rowlett
FEMA’s county-level National Risk Index puts Dallas County in the very high band overall. Among individual perils, the top ratings go to hail (very high), tornadoes (very high) and inland flooding (very high).
Hail risk here is very high. Cosmetic-damage exclusions for metal roofing and roof-age settlement schedules vary by carrier, so read those sections.
Tornado risk is very high in Dallas County. Tornado damage is covered as windstorm under a homeowners policy, subject to the wind/hail deductible.
FEMA rates inland flood risk very high; flood coverage is separate and worth pricing even outside a mapped high-risk zone.
With winter weather rated very high, roof damage from ice and frozen-pipe claims are the usual concerns.
Ten years of storm reports in Dallas County
NOAA’s Storm Events Database logs 196 hail reports in Dallas County from 2016 through 2025. In 157 cases the hail was an inch across or bigger. The top report was 4-inch hail on June 12, 2023. Tornado records for Dallas County show 12 touchdowns from 2016 through 2025, the strongest rated EF3 on October 20, 2019.
There were also 140 damaging-wind reports from thunderstorms, topping out around 96 mph. NOAA also counts 113 flash flood events in the county in that period.
FEMA has issued 7 natural-hazard major disaster declarations covering Dallas County since 2000. The most recent include Severe Storms, Straight-line Winds, Tornadoes, and Flooding (2024), Severe Winter Storms (2021) and Hurricane Harvey (2017).
Wind and hail coverage in Rowlett
Wind coverage in Dallas County stays inside the homeowners policy because the county is outside TWIA’s coastal territory; compare the wind/hail deductible on every quote.
Flood exposure and the NFIP in Rowlett
NFIP flood policies are available in Rowlett, a participating community. The effective FEMA flood map for the community is from July 2014. Across Dallas County, 4,809 residential NFIP policies were in force, roughly 1 for every 128 homes. Since 2016, 554 NFIP flood claims have come from Dallas County. 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.
How Rowlett homes are built and valued
Line up every home in Rowlett by age and the one in the middle was built in 1997. The split is roughly 10% pre-1980 construction versus 42% built from 2000 on. Census data shows a median home value of $368,800 in Rowlett. That sits above the county-wide median of $303,000. Keep in mind that Coverage A should follow rebuilding cost, not sale price, since the lot itself does not burn or blow away.
Local records and contacts for Rowlett
While a slice of Rowlett is in Rockwall County, the bulk of it belongs to Dallas County. Dallas County forms part of the urban core of the Dallas-Fort Worth-Arlington metro. Rowlett lies east of Garland, around 5 miles away in a straight line.
Insurers often check the appraisal district record, so confirm that what the Dallas district shows at www.dallascad.org matches your home. You can also visit the office at 2949 N Stemmons Fwy Dallas, TX 75247-6102. Watches and warnings for Rowlett are issued by NWS Fort Worth/Dallas, TX. The associated NEXRAD radar is KFWS.
FAQ: Rowlett storm and flood coverage
Is hail a big risk for Rowlett roofs?
Dallas County had 196 hail reports in NOAA’s records for 2016 to 2025, 157 of them with stones an inch or larger. FEMA’s National Risk Index rates the county’s hail risk very high. Compare how each carrier settles roof claims and what a percentage deductible would cost you out of pocket.
How do wind and hail deductibles work in Rowlett?
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 157 reports of inch-plus hail in Dallas County from 2016 through 2025, it is worth pricing both options.
Can I get TWIA windstorm coverage in Rowlett?
No, Dallas County is not in TWIA territory. Look instead at the wind and hail deductible on your homeowners quotes, since that is where storm costs land.
Does homeowners insurance cover tornado damage in Rowlett?
Yes, tornado damage is covered as windstorm, subject to your wind and hail deductible. NOAA records show 12 tornadoes in Dallas County from 2016 through 2025, so confirm your dwelling and loss-of-use limits would cover a full rebuild.
Compare Rowlett home insurance quotes
Compare carriers with Texas Insurance Resources. Call 800-875-4711 or request a quote online.
About the data
Figures were retrieved in October 2026 and are estimates with margins of error. Premium figures in the estimate cards are illustrative models, not quotes.
- FEMA National Risk Index, Dallas County
- County and state comparisons: Dallas County value, Dallas County build year
- TWIA eligibility
- Texas property tax directory, Dallas County
- Community Status Book (NFIP)
- American Community Survey 2020–2024, Rowlett city: home value, tenure, median year built, population, structure type, year built
- Comptroller economic regions
- NOAA NCEI storm reports, Dallas County
- NFIP data (OpenFEMA), Dallas County
- Census metro delineation
- Census Gazetteer files
- NWS Fort Worth/Dallas, TX
- FEMA disaster declarations, Dallas County