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Home Insurance in White Settlement, TX
FEMA rates hail and tornadoes as the leading natural hazards for Tarrant County. Here is the storm, flood and wind record that shapes home insurance in White Settlement.
$5,435/yr
About $453/mo · ~$300k-$400k dwelling class
$3,054/yr
About $254/mo after modeled shopping discount
About 43.8% below local market estimate
White Settlement hazard snapshot
Taking all natural hazards together, FEMA rates Tarrant County relatively high. Hazard by hazard, the strongest scores are for hail (very high), tornadoes (very high) and winter weather (very high).
A very high hail rating makes the wind/hail deductible one of the biggest pricing levers, since a percentage deductible is based on your dwelling limit, not the claim.
Tornadoes rate very high in Tarrant County, so an up-to-date home inventory and enough debris-removal coverage are worth confirming.
With winter weather rated very high, roof damage from ice and frozen-pipe claims are the usual concerns.
FEMA rates ice storm risk very high; check how your policy pays for tree removal after a storm.
Recent severe weather in Tarrant County
NOAA’s Storm Events Database logs 465 hail reports in Tarrant County from 2016 through 2025. Stones of one inch or more showed up in 380 of the reports. The biggest stones, 5 inches across, fell on June 12, 2023. Between 2016 and 2025, 20 tornadoes touched down in Tarrant County, the strongest rated EF2 on November 24, 2020.
Severe thunderstorm winds were reported 249 times, the strongest near 105 mph. Flash flooding was logged 77 times over the same decade.
Counting from 2000, 7 major disaster declarations for natural hazards have included Tarrant County. The most recent include Severe Winter Storms (2021), Hurricane Harvey (2017) and Severe Storms, Tornadoes, Straight-line Winds and Flooding (2015).
Who covers wind in White Settlement?
Wind coverage in Tarrant 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 White Settlement
NFIP flood policies are available in White Settlement, a participating community. Its flood map now in force took effect in March 2019. Only about 1 in 115 homes in Tarrant County carries an NFIP policy (4,999 residential policies). NFIP records show 458 flood claims in the county since 2016. 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.
The homes behind the risk
The median home in White Settlement was built in 1973. About 61% of homes went up before 1980, while 21% were built in 2000 or later. The typical owner-occupied home in White Settlement is valued at about $187,100. That is below the Tarrant County median of $323,900. Sale prices and rebuild costs can diverge in either direction, which is why carriers run their own replacement-cost estimate for the dwelling limit.
Where White Settlement homeowners can check the details
For county-level data, White Settlement falls under Tarrant County. Tarrant County forms part of the urban core of the Dallas-Fort Worth-Arlington metro. Head about 7 miles from White Settlement and you reach Fort Worth, the nearest larger city.
Square footage and build year on file with the Tarrant appraisal district (www.tad.org) feed straight into replacement-cost estimates, so check them for errors. Its office is at 2500 Handley-Ederville Rd. Fort Worth, TX 76118-6909. White Settlement is covered by the NWS Fort Worth/Dallas, TX forecast office, which issues local watches and warnings. Its assigned radar site for White Settlement is KFWS.
White Settlement hazard and coverage questions
How often does it hail around White Settlement?
From 2016 through 2025, NOAA logged 465 hail reports in Tarrant County, 380 of them with stones an inch or larger. FEMA’s National Risk Index rates the county’s hail risk very high. Keep photos of your roof’s condition so a future claim is easier to document.
Are tornadoes covered on a White Settlement home policy?
Yes. Tornadoes fall under the windstorm peril, so the wind and hail deductible applies. Tarrant County had 20 tornadoes in NOAA’s 2016 to 2025 records, which is a good reason to check your dwelling, other-structures and debris-removal limits.
Is White Settlement in the TWIA coverage area?
No. Tarrant County is outside TWIA’s designated catastrophe area, so wind and hail are covered by the homeowners policy itself, usually with a separate wind and hail deductible.
Does my White Settlement 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 Tarrant County as very high. Slow leaks, mold and wear are commonly excluded.
Request a White Settlement homeowners quote
Compare carriers with Texas Insurance Resources. Call 800-875-4711 or request a quote online.
Where the White Settlement numbers come from
Data reflects the most recent releases available in October 2026; survey figures carry margins of error. Premium figures in the estimate cards are illustrative models, not quotes.
- NOAA NCEI storm reports, Tarrant County
- TWIA coverage area
- Texas property tax directory, Tarrant County
- Comparison figures: Tarrant County value, Tarrant County build year
- FEMA declared disasters, Tarrant County
- Community Status Book (NFIP)
- Comptroller 2024 regions
- OpenFEMA flood insurance data, Tarrant County
- NWS Fort Worth/Dallas, TX
- National Risk Index (FEMA), Tarrant County
- OMB metro and micro areas
- Census Gazetteer files
- American Community Survey 2020–2024, White Settlement city: year built, home value, population, tenure, structure type, median year built