Insurance in Mansfield, Texas

Reading the Walnut Creek gauge

The National Weather Service gauge on Walnut Creek near Mansfield hits minor flood stage at 19 feet, when Retta Road floods. By 22 feet, North Street, Walnut Creek Road and Magnolia Road are under water too, and at 25 feet several houses near the creek begin to flood, along with Oliver Nature Park and Town Park.

Several recorded crests top that mark; the highest was 33.78 feet on May 17, 1989. The creek crested at 31.45 feet on September 8, 2010, after the remnants of Tropical Storm Hermine, and at 29.12 feet on May 5, 2024, the day Johnson County reported 10 flooded homes and 17 water rescues. On April 27, 2009, a vehicle washed off Country Club Road and 22 country club employees were rescued from waist-deep water.

The city's Flood Damage Prevention Ordinance goes beyond FEMA minimums: structures must be elevated 2 feet above the ultimate developed flood elevation, or 3 feet above the effective base flood elevation where no ultimate elevation has been set. Flood damage to a home near Walnut Creek is typically covered only by a separate flood policy, and a new NFIP policy often has a 30-day wait before coverage begins.

Five-inch hail in June 2023

On the night of June 12, 2023, a broadcast media photo showed a 5-inch hailstone in Mansfield and a social media photo showed a 4-inch stone. A public photo showed a 2.1-inch stone in Mansfield on May 27, 2024. Hail damage to a car from storms like June 2023's is generally a comprehensive claim; on a house, the wind and hail deductible typically applies first, and roof coverage terms often decide how a roof claim is paid.

New lanes on FM 157 and the 360 Tollway

The 9.7-mile 360 Tollway, open since 2018, runs south to US 287. NTTA is studying an approximately 5.5-mile extension from US 287 to US 67 and held a public meeting at Mansfield High School on April 16, 2026. TxDOT proposes realigning and widening about 7.74 miles of FM 157 from BUS 287P in Mansfield to US 67 in Venus to four divided lanes; public comments closed May 22, 2026.

TxDOT's 2025 city table lists 974 crashes in Mansfield, including 1 fatal crash and 27 serious injury crashes. If you cause a crash on US 287 or FM 157, collision coverage generally pays to repair your own car, and rental reimbursement, if carried, can pay for a substitute.

Mansfield lies in Tarrant County, Johnson County and Ellis County, according to its police department. Joe Pool Lake is shared with Grand Prairie, and the 360 Tollway continues north to Arlington.

• Floodplain Management: staff handle floodplain permits and FEMA map changes and can give the most accurate flood map information for a property.
• Mansfield Emergency Alert System: severe weather and emergency messages by phone, email and text.
• Accident reports: online through TxDOT's Crash Records Information System, or in person for a fee from the police Records Management Unit; questions go to 817-276-4733.

Local risk: the federal disaster record in Mansfield

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. Mansfield 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 Mansfield

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 Mansfield

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 Mansfield. See Texas car insurance.

Medicare in Mansfield

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 Mansfield

76063

Common questions