Insurance in Irving, Texas

Valley Ranch and Las Colinas sit behind levees

Valley Ranch lay in the 100-year floodplain of the Elm Fork of the Trinity River until Irving Flood Control District 3, created by the Legislature in 1983, built a levee, a pump station and 5.5 miles of canals and ponds. FEMA now maps the neighborhood, home to nearly 30,000 residents and businesses, as an "area with reduced flood risk due to levee." In Las Colinas, the Dallas County Utility and Reclamation District, created by a 1983 act of the Legislature, reclaimed land for the 1,000-acre Las Colinas Urban Center and handles flood control and drainage there, with projects that include the Lake Carolyn storm water pump station and the Cottonwood Creek flood management system.

A levee lowers the odds without ending them: FEMA says levees "do not eliminate the risk" and that failure or overtopping can be catastrophic. A home behind one can still carry an NFIP flood policy, and coverage generally begins 30 days after purchase, so it is a decision for a dry month.

Tornadoes have found Irving's apartment roofs

On March 16, 2023, an EF1 tornado formed in north Grand Prairie, crossed into south Irving and damaged an apartment building on Shady Grove Road east of Belt Line Road. At 5:24 a.m. on March 4, 2025, a brief EF1 near West Pioneer Drive damaged the roof of nearly every building in another complex, and a falling tree damaged a vehicle. Hail up to grapefruit size broke windows around Irving on May 24, 2011.

For renters, the landlord's policy fixes the roof. Ruined belongings, and a hotel while the unit is repaired, depend on your own renters policy, typically its personal property and loss-of-use coverage. A car hit by a falling tree or dented by hail is a comprehensive claim.

SH 183, SH 114 and where to look things up

TxDOT opened the last lanes of the $301 million Irving Interchange, where SH 183, SH 114, Loop 12 and Spur 482 meet, in spring 2024. TEXpress toll lanes have run on SH 114 since 2017 and on SH 183 and Loop 12 since 2018. Surface streets still flood: high water closed the westbound SH 183 service road between Carl Road and O'Connor Boulevard on April 17, 2017, and cars stalled near East Irving Heights and East Shady Grove roads on May 24, 2026. A flooded engine falls under comprehensive and a crash under collision; rental reimbursement, where the policy includes it, can keep you driving while the shop works.

Irving is in Dallas County. Grand Prairie shares the 2023 tornado track, and Carrollton sits on the same Elm Fork, where the USGS keeps a stream gauge. Useful contacts:

• Irving Flood Control District 3: Valley Ranch levee updates, its FEMA levee certificate and a monthly rainfall tracker.
• Las Colinas Urban Center Levee: levee locator map and FEMA levee certification documents.
• FEMA Flood Map Service Center: search FEMA's flood maps by Irving street address.
• TxDOT Crash Report Online Purchase System: buy the officer's CR-3 report after a crash.

Local risk: the federal disaster record in Irving

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. Irving 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 Irving

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.

Car insurance in Irving

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 Irving. See Texas car insurance.

Medicare in Irving

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 Irving

75014 · 75015 · 75016 · 75017 · 75038 · 75039 · 75059 · 75060 · 75061 · 75062 · 75063 · 75064

Common questions