Home / Texas Home Insurance Locations / Savannah
Home Insurance in Savannah, TX
FEMA rates hail and tornadoes as the leading natural hazards for Denton County. Here is the storm, flood and wind record that shapes home insurance in Savannah.
$4,722/yr
About $394/mo · ~$300k-$400k dwelling class
$3,008/yr
About $251/mo after modeled shopping discount
About 36.3% below local market estimate
Savannah hazard snapshot
FEMA’s county-level National Risk Index puts Denton County in the relatively high band overall. Hazard by hazard, the strongest scores are for hail (very high), tornadoes (very high) and ice storms (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 Denton County. Tornado damage is covered as windstorm under a homeowners policy, subject to the wind/hail deductible.
With ice storms rated very high, limbs on roofs and downed fences are the typical claims.
Inland flooding is rated relatively high in Denton County. That covers river and heavy-rain flooding, which no standard homeowners policy pays for.
Recent severe weather in Denton County
NOAA’s Storm Events Database logs 373 hail reports in Denton County from 2016 through 2025. In 298 cases the hail was an inch across or bigger. The biggest stones, 5.9 inches across, fell on June 15, 2023. Denton County saw 10 tornadoes in NOAA’s 2016 to 2025 records; the most intense was an EF1 on March 8, 2016.
Thunderstorm wind reports numbered 139, with a peak near 96 mph. Flash floods account for 34 more entries in the decade.
Denton County appears in 7 presidential major disaster declarations for weather and other natural hazards from 2000 onward. Recent ones: Severe Storms, Straight-line Winds, Tornadoes, and Flooding (2024), Severe Winter Storms (2021) and Severe Storms, Tornadoes, Straight-line Winds and Flooding (2015).
Windstorm questions for Savannah homes
Wind coverage in Denton 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 Savannah
Homes outside city limits fall under Denton County’s NFIP participation, so federal flood policies are available. Across Denton County, 1,740 residential NFIP policies were in force, roughly 1 for every 147 homes. NFIP records show 122 flood claims in the county since 2016. 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
The median home in Savannah was built in 2008. 96% of local homes are from 2000 or later, compared with less than 1% built before 1980. Census data shows a median home value of $400,000 in Savannah. It tracks the county median of $437,200 fairly closely. Sale prices and rebuild costs can diverge in either direction, which is why carriers run their own replacement-cost estimate for the dwelling limit.
Local offices for Savannah homeowners
Savannah sits within Denton County. The Dallas-Fort Worth-Arlington metro reaches out to include Denton County.
The Denton County appraisal district (www.dentoncad.com) publishes the square footage, year built and improvements insurers use to estimate rebuild cost. The district office address is 3911 Morse St. Denton, TX 76208-6331. For local warnings, the responsible National Weather Service office is NWS Fort Worth/Dallas, TX. Its assigned radar site for Savannah is KFWS.
Questions about weather risk in Savannah
Is hail a big risk for Savannah roofs?
NOAA’s Storm Events Database lists 373 hail reports in Denton County from 2016 through 2025, 298 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.
What wind and hail deductible should I choose in Savannah?
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. Denton County logged 298 reports of hail an inch or larger from 2016 through 2025, so run the numbers both ways.
Does homeowners insurance cover tornado damage in Savannah?
Yes, tornado damage is covered as windstorm, subject to your wind and hail deductible. NOAA records show 10 tornadoes in Denton County from 2016 through 2025, so confirm your dwelling and loss-of-use limits would cover a full rebuild.
Does Texas law require home insurance in Savannah?
Texas does not mandate homeowners insurance, yet nearly every mortgage requires it. Owners without a loan still carry the full cost of a fire, hail or theft loss if uninsured.
Request a Savannah homeowners quote
One call to 800-875-4711 or a short online form gets several carriers working on your quote.
About the data
All public data on this page was pulled in October 2026. Census numbers are survey estimates. Price estimates near the top are Texas Insurance Resources models for comparison, not quotes or published averages.
- FEMA disaster declarations, Denton County
- Census CBSA delineation
- Texas Comptroller regions
- American Community Survey 2020–2024, Savannah CDP: median year built, structure type, home value, year built, population, tenure
- NFIP data (OpenFEMA), Denton County
- Benchmarks: Denton County value, Denton County build year
- Texas property tax directory, Denton County
- NOAA Storm Events Database, Denton County
- FEMA NRI county ratings, Denton County
- TWIA coverage area
- NWS Fort Worth/Dallas, TX