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Home Insurance in Spearman, TX
FEMA rates drought and winter weather as the leading natural hazards for Hansford County. Here is the storm, flood and wind record that shapes home insurance in Spearman.
$4,237/yr
About $353/mo · ~$300k-$400k dwelling class
$2,572/yr
About $214/mo after modeled shopping discount
About 39.3% below local market estimate
Natural hazard profile for Spearman
The National Risk Index from FEMA scores Hansford County as very low for combined natural-hazard risk. Among individual perils, the top ratings go to drought (relatively high), winter weather (relatively moderate) and ice storms (relatively moderate).
Drought is rated relatively high in Hansford County. Expansive clay soils can shift foundations in dry spells, and most policies exclude settling and earth movement.
Winter weather risk is relatively moderate in Hansford County; insulating exposed pipes and knowing where the water shutoff is can prevent a large claim.
FEMA rates ice storm risk relatively moderate; check how your policy pays for tree removal after a storm.
With cold waves rated relatively moderate, protecting exposed plumbing helps avoid water-damage claims.
Ten years of storm reports in Hansford County
NOAA’s Storm Events Database logs 87 hail reports in Hansford County from 2016 through 2025. 73 of those involved stones an inch or larger, the size that commonly damages shingles. The top report was 3.3-inch hail on May 28, 2023. Between 2016 and 2025, 13 tornadoes touched down in Hansford County; the most intense was an EF2 on June 6, 2025.
Straight-line thunderstorm winds generated 54 reports, peaking around 115 mph. NOAA also counts 2 flash flood events in the county in that period.
Since 2000, Hansford County has been included in 4 federal major disaster declarations for natural hazards. The most recent include Severe Winter Storms (2021), Wildfires (2011) and Extreme Wildfire Threat (2006).
Who covers wind in Spearman?
Hansford 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 Spearman
The city takes part in the National Flood Insurance Program, which makes federal flood policies available. Its current effective flood map dates to September 1987. NFIP data counts 1 residential flood policies in Hansford County, about 1 for every 2,113 homes. Remember that flood is excluded from homeowners policies and NFIP coverage usually starts 30 days after purchase.
You can check your flood zone by address at the FEMA Flood Map Service Center.
How Spearman homes are built and valued
According to the Census Bureau, the typical home in Spearman went up around 1971. About 75% of homes went up before 1980, while 12% were built in 2000 or later.
Where Spearman homeowners can check the details
For county-level data, Spearman falls under Hansford County. Hansford County is outside any federally defined metro or micro area. Spearman lies northeast of Amarillo, around 78 miles away in a straight line.
Your property record, including square footage and year built, is on the Hansford appraisal district site at www.hansfordcad.org (phone 806-659-5575). You can also visit the office at 709 W. 7th Avenue Spearman, TX 79081. The NWS Amarillo, TX office handles forecasts and storm warnings for Spearman. The associated NEXRAD radar is KAMA.
FAQ: Spearman storm and flood coverage
Is foundation movement covered for Spearman homes?
Usually not. FEMA rates drought risk in Hansford County as relatively high, and dry spells can shift foundations on clay soil, but standard policies exclude settling and earth movement. Foundation damage caused by a covered plumbing leak is a common exception.
Does my Spearman policy cover a burst pipe after a freeze?
Generally yes, if a pipe bursts suddenly and you kept the home reasonably heated. FEMA rates winter weather risk in Hansford County as relatively moderate. Slow leaks, mold and wear are commonly excluded.
Does homeowners insurance cover tornado damage in Spearman?
Yes, tornado damage is covered as windstorm, subject to your wind and hail deductible. NOAA records show 13 tornadoes in Hansford County from 2016 through 2025, so confirm your dwelling and loss-of-use limits would cover a full rebuild.
Is a percentage deductible a good idea in Spearman?
Pick the deductible you could pay the week after a storm. Percentage deductibles scale with the dwelling limit, so 1% on a $400,000 limit means $4,000 per claim, while flat deductibles stay fixed. With 73 reports of inch-plus hail in Hansford County from 2016 through 2025, it is worth pricing both options.
Compare Spearman home insurance quotes
One call to 800-875-4711 or a short online form gets several carriers working on your quote.
About the data
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.
- NWS Amarillo, TX
- NFIP data (OpenFEMA), Hansford County
- OMB metro and micro areas
- Census Gazetteer coordinates
- Texas property tax directory, Hansford County
- Disaster declarations (FEMA), Hansford County
- Census ACS 2020–2024, Spearman city: home value, tenure, population, structure type, year built, median year built
- TWIA eligibility
- Texas Comptroller regions
- NOAA NCEI storm reports, Hansford County
- National Risk Index (FEMA), Hansford County
- Community Status Book (NFIP)