Dallas County, Texas
Insurance in Dallas, Texas
Local risks, Texas rules and free help for the 1,329,491 people who live in Dallas.
Dallas has 105 ZIP codes and 1,329,491 residents (Census estimate, July 2025), +1.9% since 2020. Below: what federal disaster records say about local risk, how that affects home and car insurance in Dallas, and where to get free Medicare help.
- Population (2025)
- 1,329,491
- Change since 2020
- +1.9%
- ZIP codes
- 105
- FEMA declarations since 2000 (Dallas County)
- 17
- TWIA wind area (Dallas County)
- No
- Medicare-eligible residents (Dallas County)
- 365,531
County figures below are for Dallas County, which contains most of Dallas. Our Dallas County insurance guide covers the county’s hail record, roof claims and the Texas claim deadlines in more depth.
Parts of the city are in Collin, Denton and Rockwall counties. North of the Dallas County line, the Collin County insurance guide covers newer roofs under percentage wind and hail deductibles and creek flooding in a fast-growing county, and the Denton County insurance guide covers student renters near the two universities, Lewisville Lake and its creeks, and the coverage choices that follow. In both, flood risk has to be checked address by address.
South of Dallas County, Ellis County (Waxahachie, Midlothian, Ennis) grew about 25% between 2020 and 2025, by Census estimates. The Ellis County insurance guide covers what to update when the house or household changes: a renovation or garage conversion, a new driver, renting out a room, or retirement.
Comparing notes with another big Texas metro? Read our Harris County insurance guide, which covers the Houston area.
Local risk: the federal disaster record in Dallas
Since 2000, FEMA has made 17 disaster, emergency or fire-management declarations covering Dallas County. By type:
- Hurricanes and coastal storms: 8
- Severe storms (hail, wind, tornadoes): 2
- Wildfires: 2
- Winter and ice storms: 2
- Floods: 1
Most recent major disaster declarations:
- 2024: Severe Storms, Straight-Line Winds, Tornadoes, And Flooding
- 2021: Severe Winter Storms
- 2017: Hurricane Harvey
- 2015: Severe Winter Storms, Tornadoes, Straight-Line Winds, And Flooding
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.
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.
Not every hurricane declaration here means a storm hit: many were emergency declarations for sheltering evacuees from the coast, or statewide declarations. Dallas 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 Dallas County figures; FEMA doesn't publish them by city.
Home insurance in Dallas
Dallas 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 9 flood or hurricane declarations in Dallas 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.
Nearby DFW counties have their own flood and roof considerations. West of Dallas, our Tarrant County insurance guide covers the Fort Worth Floodway levees on the Trinity, the fast-rising creeks around Arlington, and how a percentage hail deductible applies to each storm.
Car insurance in Dallas
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 Dallas. See Texas car insurance.
Medicare in Dallas
365,531 Dallas County residents are eligible for Medicare, and 54.97% 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 Dallas County comes from the Dallas County AAA (214-871-5065), part of Texas’s HICAP program. See Medicare in Texas.
ZIP codes in Dallas
75201 · 75202 · 75203 · 75204 · 75205 · 75206 · 75207 · 75208 · 75209 · 75210 · 75211 · 75212 · 75214 · 75215 · 75216 · 75217 · 75218 · 75219 · 75220 · 75221 · 75222 · 75223 · 75224 · 75225 · 75226 · 75227 · 75228 · 75229 · 75230 · 75231 · 75232 · 75233 · 75234 · 75235 · 75236 · 75237 · 75238 · 75240 · 75241 · 75242 · 75243 · 75244 · 75246 · 75247 · 75248 · 75249 · 75250 · 75251 · 75252 · 75253 · 75254 · 75260 · 75261 · 75262 · 75263 · 75264 · 75265 · 75266 · 75267 · 75270 · 75275 · 75277 · 75283 · 75284 · 75285 · 75287 · 75301 · 75303 · 75312 · 75313 · 75315 · 75320 · 75326 · 75336 · 75339 · 75342 · 75354 · 75355 · 75356 · 75357 · 75358 · 75359 · 75360 · 75367 · 75368 · 75370 · 75371 · 75372 · 75373 · 75374 · 75376 · 75378 · 75379 · 75380 · 75381 · 75382 · 75389 · 75390 · 75391 · 75392 · 75393 · 75394 · 75395 · 75397 · 75398
Common questions
The same as everywhere in Texas: 30/60/25, meaning $30,000 for injuries per person, up to $60,000 per accident, and $25,000 for property damage. PIP and uninsured motorist coverage are included or offered unless you reject them in writing.
No. Dallas County isn't in TWIA's designated coastal area.
FEMA has made 17 disaster, emergency or fire declarations covering Dallas County since 2000, most often for hurricanes and coastal storms.
From the Dallas County AAA (Area Agency on Aging), which offers free benefits counseling at 214-871-5065. You can also call 800-252-9240.
Want this priced for your part of Texas?
Rates in Texas vary a lot by ZIP code, especially for home and auto. Tell us where you are and what you need, and a licensed insurance professional can show you what’s actually available.
Sources
- County and city population estimates, Vintage 2025, U.S. Census Bureau. Checked September 30, 2026.
- OpenFEMA Disaster Declarations Summaries (Texas, 2000 onward), Federal Emergency Management Agency. Checked September 30, 2026.
- Coverage and eligibility, Texas Windstorm Insurance Association. Checked September 30, 2026.
- Home insurance guide (updated Jun 1, 2026), Texas Department of Insurance. Checked September 30, 2026.
- Auto insurance guide (updated Dec 11, 2025), Texas Department of Insurance. Checked September 30, 2026.
- MA State/County Penetration, September 2026, Centers for Medicare & Medicaid Services. Checked September 30, 2026.
- Area Agencies on Aging directory, Texas Health and Human Services. Checked September 30, 2026.
- Postal code data (CC BY 4.0), GeoNames. Checked September 30, 2026.
General information only, not insurance advice. Coverage, availability and terms vary by insurer and are subject to underwriting. Local figures come from public data sources listed on each page. Quote My Policy is operated by Jason Patterson, an insurance agent licensed by the Texas Department of Insurance for life, accident, health and HMO insurance (license #1554827, NPN 8642444). Nothing here binds coverage.