Insurance in Frisco, Texas

Lightning as a fire cause

NOAA's storm records show a run of lightning fires in Frisco homes. On the morning of May 23, 2016, lightning set three separate house fires. On April 23, 2019, a strike damaged a home's water line and part of its roof; the water put the fire out but left extensive water damage. On September 1, 2020, lightning started a fire at the roof of a house in the 7000 block of Rainbow Falls Drive that reached the attic and second floor, with damage estimated at $500,000.

TDI lists fire and lightning among the risks most home policies cover, along with the sudden and accidental release of water seen in 2019. If a fire forces you out, additional living expenses coverage pays rent, food and other extra costs during repairs. TDI notes a policy's built-in electronics coverage might not be enough for expensive items. NOAA files the Rainbow Falls fire under Denton County and the Coit Road hail below under Collin County; Frisco spans both.

Hail sizes, sirens and same-material roofs

Frisco Fire and Rescue measured hail at least 2 inches across on March 26, 2017. On March 24, 2019, a social media report put baseball-size hail near Coit Road and Main Street, during a storm that NOAA says hit Collin County hardest, with stones up to 4.5 inches; that evening also brought tennis-ball hail to McKinney. Frisco's outdoor sirens sound for hail of at least 1.5 inches, winds of 70 mph or more, or a tornado, the same hail threshold Plano uses.

A same-material roof replacement is one of Frisco's self-service residential permits, issued immediately, so the permit step need not hold up a repair (roof coverage in Texas).

Flooded streets, work zones and crash reports

Frisco's development rules require that no part of a residential lot lie in the 100-year floodplain, yet streets still flood: firefighters made a high-water rescue near Hillcrest Road and Huntington Road on April 4, 2022, and flooding closed Main Street between John W. Elliott Drive and 2nd Street on June 9, 2025. Water like that is a comprehensive claim for a car; most home policies exclude flooding, so a house typically needs a separate flood policy.

Frisco began rebuilding PGA Parkway between Preston Road and Coit Road in November 2024, turning two asphalt lanes into six divided concrete lanes in phases; the city's project page targeted completion in the third quarter of 2026. Since September 2017, Frisco dispatchers have logged when each crash is reported and cleared, aiming to cut secondary crashes. If a driver hits you and leaves, TDI notes uninsured motorist coverage won't pay unless the hit-and-run was reported to police.

• Crash reports: Frisco Police reports are sold online through TxDOT for $6, or $8 certified, or through the Records Division, 7200 Stonebrook Parkway, by mail or at the counter. Most are ready 5 to 7 business days after the crash.
• CodeRED alerts: sign-up details for phone, email and text alerts, plus optional notices of planned road closures.
• Floodplain questions: Engineering Services, 972-292-5400, can say whether the floodplain map for your area has changed; see the stormwater page.

Local risk: the federal disaster record in Frisco

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. Frisco 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 Frisco

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 Frisco

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 Frisco. See Texas car insurance.

Medicare in Frisco

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 Frisco

75033 · 75034 · 75035 · 75036

Common questions