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Home Insurance in Weatherford, TX
How Weatherford homes and hazards compare with Parker County and Texas as a whole, and what the differences mean for your policy.
$4,921/yr
About $410/mo · ~$300k-$400k dwelling class
$2,958/yr
About $246/mo after modeled shopping discount
About 39.9% below local market estimate
Weatherford compared with Parker County and Texas
| Measure | Weatherford | Parker County | Texas |
|---|---|---|---|
| Median home value | $312,100 | $375,900 | $283,800 |
| Median year built | 1998 | 2002 | 1992 |
| Owner-occupied homes | 61% | 81% | 63% |
| Single-family detached | 73% | 76% | 64% |
| Built before 1980 | 32% | 20% | 33% |
| Built 2000 or later | 49% | 54% | 39% |
| Manufactured homes | less than 1% | 13% | 6% |
By median build year, Weatherford (1998) and Parker County (2002) are similar. 61% of occupied homes are owner-occupied in Weatherford, below the Parker County share of 81%. Manufactured homes are less common in Weatherford (less than 1% of units) than across Parker County (13%).
The median owner-estimated home value in Weatherford is $312,100. Parker County overall comes in higher, at $375,900. Land value is part of a sale price but not of a rebuild, so the right Coverage A figure can be well above or below market value.
Hazard ratings for Parker County
| Hazard | FEMA NRI rating | NOAA reports, 2016–2025 |
|---|---|---|
| Hail | Relatively Moderate | 138 hail reports |
| Tornadoes | Relatively High | 11 tornadoes |
| Strong wind | Relatively Low | 54 thunderstorm wind reports |
| Inland flooding | Relatively Low | 10 flash floods |
| Hurricanes | Very Low | – |
| Wildfire | Relatively Moderate | – |
| Winter weather | Relatively Low | – |
| Drought | Relatively Low | – |
| Lightning | Relatively Moderate | – |
The National Risk Index from FEMA scores Parker County as relatively moderate for combined natural-hazard risk. Its leading hazards, by rating, are tornadoes (relatively high), hail (relatively moderate) and wildfire (relatively moderate).
Since 2000, Parker County has been included in 8 federal major disaster declarations for natural hazards. The latest declarations were Severe Winter Storms (2021), Severe Storms and Flooding (2016) and Severe Storms and Flooding (2016).
What the comparison means for your policy
- There is no TWIA option in Parker County, so the homeowners carrier handles wind and hail, and its deductible for those perils can differ from the all-other-perils deductible.
- The city takes part in the National Flood Insurance Program, which makes federal flood policies available. The flood insurance rate map in effect was issued in April 2019. Flood coverage is far from universal: 429 residential NFIP policies in Parker County, or about 1 per 104 homes. Parker County has produced 48 NFIP claims from 2016 on. A homeowners policy will not pay for rising water; flood is a separate policy, and NFIP coverage typically takes 30 days to begin.
- According to the Census Bureau, the typical home in Weatherford went up around 1998. 49% of local homes are from 2000 or later, compared with 32% built before 1980. Houses from this era often have had partial updates, so documenting a newer roof, water heater or HVAC can help when quotes are compared.
Where to verify Weatherford details
Contact details for the Parker County appraisal district are listed in the Texas Comptroller’s Parker County directory. Its office is at 1108 Santa Fe Dr. Weatherford, TX 76086-5818. Weatherford is covered by the NWS Fort Worth/Dallas, TX forecast office, which issues local watches and warnings. Its assigned radar site for Weatherford is KFWS.
The county for Weatherford is Parker County. The federal delineation treats Parker County as part of the wider Dallas-Fort Worth-Arlington metro, on its outer ring. Head about 24 miles from Weatherford and you reach Fort Worth, the nearest larger city.
Weatherford coverage questions
What does FEMA’s risk index say about Parker County?
Overall, FEMA scores Parker County as relatively moderate. Its standout hazards are tornadoes (relatively high), hail (relatively moderate) and wildfire (relatively moderate). Those are the perils to ask about when you compare deductibles and endorsements.
Is homeowners coverage mandatory for Weatherford homeowners?
Only your lender can require it; Texas itself does not. If the home is paid off, the choice is yours, but one serious storm or fire can cost far more than years of premiums.
How much could I save by shopping my Weatherford policy?
On this page we model a 39.9% gap between the local market estimate and our estimate for Weatherford. It is not a quote, and actual savings can be higher, lower or zero.
Do I need a local agent for a Weatherford home?
No. Weatherford is about 24 miles west of Fort Worth, and carriers rate by address, not by where the agent sits. An independent agency can compare several carriers for your exact location by phone or online.
Ready to price your Weatherford home?
Compare carriers with Texas Insurance Resources. Call 800-875-4711 or request a quote online.
Where the Weatherford numbers come from
Public data current as of October 2026; Census figures are survey estimates. The two price cards are modeled estimates from Texas Insurance Resources, not quotes.
- Storm Events Database (NOAA), Parker County
- Community Status Book (NFIP)
- Census Bureau ACS five-year data, Weatherford city: tenure, population, median year built, home value, year built, structure type
- Census metro delineation
- Census Gazetteer files
- Benchmarks: Parker County value, Parker County build year, Texas value
- Comptroller economic regions
- TWIA eligibility
- Comptroller county directory, Parker County
- FEMA disaster declarations, Parker County
- NWS Fort Worth/Dallas, TX
- FEMA National Risk Index, Parker County
- OpenFEMA flood insurance data, Parker County