Insurance in Arlington, Texas

Tornado tracks and baseball-size hail

On April 3, 2012, an EF-2 tornado moved from Kennedale into Arlington, hit the Oldfield neighborhood just north of I-20 hard and ended near the east shore of Lake Arlington; 13 Arlington homes were destroyed. On November 24, 2020, another EF-2 crossed South Cooper Street and tore large sections of roof off two buildings at the Waterdance apartments. A brief EF-1 on June 16, 2019 tore roofing from a few homes east of Collins Street before dissipating short of AT&T Stadium and the Rangers' former ballpark, now Choctaw Stadium.

The largest hail in the evening storms of May 27, 2024, 3.25 inches, was reported in the Arlington area. On June 25, 2014, Johnson Creek overflowed and flooded part of Six Flags Over Texas. Tenants in complexes like Waterdance usually rely on their own renters policy for belongings. On a roof claim, hail like 2024's typically runs through the wind and hail deductible, and flooding from Johnson Creek would generally need a separate flood policy.

Event days on Collins and Division

For Cowboys games and other major events at AT&T Stadium, the city activates its Traffic Management Center, retimes signals on Collins, Division and Center streets and Randol Mill Road, and opens reversible lanes on Collins and Division, according to police game-day guidance from August 2025. Fans are sent to paid lots across the Entertainment District, and lane closures follow events. As of January 2025, the city also pushes closures to Waze, Google Maps and Apple Maps through Causeway one.network.

On the freeways, TxDOT's fully directional I-30 and SH 360 interchange reached substantial completion in December 2023, and potential SH 360 improvements from I-30 to SH 121 are under schematic design and environmental assessment. The Safe Streets Arlington plan, adopted in December 2024, says 70% of fatal and severe crashes in the city occur on just 6% of its road network, a count that leaves out state highways, interstates and state-controlled intersections.

Hail on a car left in an Entertainment District lot is generally a comprehensive claim, a parking-lot scrape on your own car typically falls under collision, and uninsured motorist coverage may help when the other driver has no insurance. Arlington police crash reports are sold through TxDOT's online system or can be requested at the Police Records Unit, 620 W. Division St.

Permits, sirens and stormwater help

Arlington's county page is Tarrant County, and the 360 Tollway carries SH 360 south through Grand Prairie to US 287 in Mansfield, which took 2.1-inch hail from the same May 2024 storms. Fort Worth shared the March 17, 2016 outbreak that dropped 2.5-inch stones here. City resources:

• Re-roof permits: required unless the work covers 10% or less of the roof, filed online. Removed insulation must be replaced to the current energy code, so ask whether your policy includes ordinance or law coverage.
• Stormwater Management (817-459-6550): one-on-one site visits, help reading the FEMA flood map and copies of elevation certificates the city has on file.
• Outdoor warning sirens: more than 50, sounded for tornadoes, flash flooding, large hail and other threats, and tested at 1 p.m. on the first Wednesday of each month, weather permitting.

Local risk: the federal disaster record in Arlington

Since 2000, FEMA has made 18 disaster, emergency or fire-management declarations covering Tarrant County. By type:

• Hurricanes and coastal storms: 8
• Wildfires: 3
• Severe storms (hail, wind, tornadoes): 2
• Winter and ice storms: 2
• Tornadoes: 1

Most recent major disaster declarations:

• 2021: Severe Winter Storms
• 2017: Hurricane Harvey
• 2015: Severe Storms, Tornadoes, Straight-Line Winds And Flooding
• 2007: Severe Storms, Tornadoes, And Flooding

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.

Severe storms bring hail and wind. Check your home policy's wind and hail deductible (often a percentage of the dwelling limit) and your roof's age, and carry comprehensive coverage on your car.

Not every hurricane declaration here means a storm hit: many were emergency declarations for sheltering evacuees from the coast, or statewide declarations. Arlington 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 Tarrant County figures; FEMA doesn't publish them by city.

Home insurance in Arlington

Tarrant 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 8 flood or hurricane declarations in Tarrant 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 Arlington

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 Arlington. See Texas car insurance.

Medicare in Arlington

330,499 Tarrant County residents are eligible for Medicare, and 55.57% 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 Tarrant County comes from the Tarrant County AAA (817-258-8102), part of Texas’s HICAP program. See Medicare in Texas.

ZIP codes in Arlington

76001 · 76002 · 76003 · 76004 · 76005 · 76006 · 76007 · 76010 · 76011 · 76012 · 76013 · 76014 · 76015 · 76016 · 76017 · 76018 · 76019 · 76094 · 76096

Common questions