Insurance in McKinney, Texas

Safe Streets McKinney and the US 380 freeway

The city's Safe Streets McKinney action plan counts 36 people killed and 213 seriously injured in traffic crashes from 2020 through 2024, and it uses that data to identify a high injury network, with an interactive crash dashboard posted alongside. Serious-injury crashes are where low liability limits can run out. Uninsured/underinsured motorist coverage, which TDI says pays your medical and car repair bills when the at-fault driver carried too little insurance or none, is worth pricing at limits that fit your own bills.

A major road change still ahead is US 380. A record of decision issued September 27, 2023, cleared a new-location, eight-lane controlled-access freeway with one-way frontage roads, about 15.6 miles from Coit Road to FM 1827. TxDOT says current and forecast traffic exceeds the existing highway's capacity, with higher crash rates than similar roads in the region. The city has repeatedly opposed Segment A, which TxDOT recommended for the route. If US 380 is your daily drive, rental reimbursement is worth checking: TDI says it pays for a rental while your car is repaired after an accident.

Four creeks, a 1988 study and the intersections that flood

McKinney's posted floodplain study for Wilson Creek, Franklin Branch, Stover Creek and Honey Creek dates to 1988, and the city holds updated local floodplain data until FEMA reissues its maps, so city records can be newer than the map a lender pulls. On May 30, 2007, flooding closed intersections across McKinney, including Howell and College streets, and at least one home took on water. On August 20, 2008, flooding shut Industrial Boulevard east of Highway 5. A house typically needs a flood policy for that kind of water; a car needs comprehensive.

A storm spotter reported baseball-size hail in west McKinney, about 2 miles west of downtown, on April 21, 2017, in a storm NOAA's narrative says damaged several jurisdictions around the city. On April 3, 2014, spotters reported 2-inch hail at Lake Forest Drive and US 380; that storm's worst damage, with softball-size hail, was in Denton.

McKinney paperwork

• Crash reports: McKinney Police charges $6, or $8 certified. Bring or mail the request form with a copy of your photo ID to 2200 Taylor Burk Drive (by mail, add payment and a self-addressed stamped envelope), or buy a copy on TxDOT's online portal. Requesters who are not authorized get a redacted copy.
• Reroof permits: a roof replacement takes a Residential Reroof permit through the city's Citizen Self-Service portal (home repair permits); Building Inspections is at 469-617-4800.
• Floodplain records: the Floodplain Management page links the 1988 creek study and FEMA's viewer of current flood map changes.

County data is on the Collin County page. NOAA's survey narrative says the April 10, 2008 tornado that began in southwest Allen reached south McKinney, where numerous homes lost all or part of their roofs and the airport, then called Collin County Regional Airport, had hangars and aircraft damaged.

Local risk: the federal disaster record in McKinney

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. McKinney 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 McKinney

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 McKinney

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 McKinney. See Texas car insurance.

Medicare in McKinney

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 McKinney

75069 · 75070 · 75071 · 75072

Common questions