Insurance in Allen, Texas

Hail on the billion-dollar list

On May 19, 2023, a 2.5-inch hailstone was measured near Greenville Avenue and Exchange Parkway. NOAA's storm record says hail up to tennis-ball size caused considerable damage around Allen, and NOAA's billion-dollar disaster list includes the May 18-19, 2023 Texas hail storms, which it says hit Collin County in particular. Allen had seen it before: on April 11, 2016, amateur radio reported 2-inch hail near the Allen Event Center, from a long-lived supercell that also crossed Plano.

Repairs after a storm like that now run under newer rules. Allen adopted the 2024 ICC building codes effective September 26, 2026, and it takes all permit applications through its Citizen Self-Service portal. A covered repair that has to meet a newer code can cost more than matching what was there, and that extra may not be covered automatically: TDI lists extra construction or repair costs to meet local building codes as an endorsement, so check whether your policy includes it before a roof claim.

Tornado paths along Ridgeview Drive and toward McKinney

On April 10, 2008, an EF1 tornado touched down in southwest Allen and traveled seven miles northeast to south McKinney. About 50 Allen homes had structural damage, 300 residences reported some damage including downed trees and fences, and insured losses for the two cities were estimated at $10 million. On October 20, 2019, an EF0 tornado formed near Exchange Parkway and Ridgeview Drive, followed Ridgeview east pulling shingles off homes and knocking down wood fences and a stone wall, then crossed US 75 into the Village at Fairview.

Shingles, fences and trees land in different parts of a claim. TDI places fences under other structures coverage, which has its own dollar limit. The city makes property owners, including HOAs, responsible for clearing trees and limbs that fall on their property, and contractors must haul away the roofing and tree debris from work on your home, so make sure disposal fees are written into the contract.

Allen police reports and alerts

TxDOT's 2025 crash table lists 963 crashes in Allen, 4 of them fatal and 25 with suspected serious injuries. If the other driver's insurer won't pay for your car, TDI says you need collision coverage to file with your own company instead. Allen's county-level figures are on the Collin County page.

• Crash reports: Allen Police sells crash reports for $6 online, by mail or in person at headquarters, 205 W. McDermott Drive. It takes no fax, email or phone requests, and in person it stops taking credit cards at 4:30 p.m.
• Emergency alerts: Allen's Emergency Alerts enroll landlines automatically. Add a cell phone or email and opt in to National Weather Service flash flood, severe thunderstorm and tornado warnings; texts come from 833.472.5378.
• Storm debris: the Severe Weather Center explains brush pickup and lists a 24-hour line, 214.509.4530, for a tree or branch blocking a road, alley or sidewalk.

Local risk: the federal disaster record in Allen

Since 2000, FEMA has made 13 disaster, emergency or fire-management declarations covering Collin County. By type:

• Hurricanes and coastal storms: 5
• Wildfires: 2
• Winter and ice storms: 2
• Floods: 1
• Severe storms (hail, wind, tornadoes): 1

Most recent major disaster declarations:

• 2024: Severe Storms, Straight-Line Winds, Tornadoes, And Flooding
• 2021: Severe Winter Storms
• 2007: Severe Storms, Tornadoes, And Flooding
• 2005: Extreme Wildfire Threat

Wildfire risk makes replacement-cost coverage, adequate dwelling limits and additional living expenses coverage especially important. Keep a home inventory somewhere other than your home.

Winter storms can freeze pipes and cut power. Most home policies cover sudden burst-pipe damage, but insurers can deny claims when a home wasn't kept heated. Ask how your policy handles it.

Not every hurricane declaration here means a storm hit: many were emergency declarations for sheltering evacuees from the coast, or statewide declarations. Allen is far from storm surge, but tropical systems moving inland can still bring heavy rain and strong wind. Check your wind and hail deductible and whether you need a separate flood policy, since home policies leave flooding out.

Declarations count how often federal help was declared, not how bad each event was. Statewide declarations (such as the February 2021 winter storm) are counted for every county, and the total includes the two 2020 COVID-19 declarations, which aren’t listed by type. These are Collin County figures; FEMA doesn't publish them by city.

Home insurance in Allen

Collin County isn't in TWIA's coastal area, so wind and hail are usually covered by your regular home policy, often with a separate wind and hail deductible. If you can't find coverage at all, the Texas FAIR Plan is the last-resort option.

Flooding isn’t covered by standard home or renters policies anywhere in Texas. With 6 flood or hurricane declarations in Collin County since 2000, it's worth pricing a flood policy even outside a mapped flood zone.

Texas law also sets claim deadlines: your insurer must acknowledge a claim within 15 days and accept or deny it within 15 business days of getting what it needs. See Texas home insurance.

Car insurance in Allen

Every Texas driver needs at least 30/60/25 liability coverage. PIP is included and uninsured motorist coverage must be offered unless you reject them in writing. Given the storm and flood history here, comprehensive coverage, which pays for hail and flood damage to your own car, matters more than the minimum suggests. Rates vary by ZIP code within Allen. See Texas car insurance.

Medicare in Allen

164,944 Collin County residents are eligible for Medicare, and 42.73% of them are enrolled in a Medicare Advantage plan (CMS, September 2026). Plans are sold by county, so compare what’s available in your ZIP code on the Medicare Plan Finder, and review your coverage during Open Enrollment, October 15 to December 7.

Free, unbiased Medicare counseling for Collin County comes from the North Central Texas AAA (800-272-3921), part of Texas’s HICAP program. See Medicare in Texas.

ZIP codes in Allen

75002 · 75013

Common questions