Insurance in Plano, Texas

Hail that breaks glass

On the night of March 23, 2016, golf-ball hail fell near Parker Road and the Dallas North Tollway and at 15th Street and Alma Drive, shattering windows in cars, homes and businesses. NOAA's storm record puts the storm's overall hail damage, as it moved east into northern Dallas and southern Collin counties, at around $700 million, a figure for the whole path and not Plano alone. Spotters reported 2-inch hail at Legacy Drive and Chase Oaks Boulevard and at Independence Parkway and Hedgcoxe Road on April 11, 2016, and a public report put hail in Plano at 3 inches on April 20, 2023.

For a car, hail damage and broken glass are comprehensive claims; the Texas Department of Insurance (TDI) lists hail, flood and flying gravel among what comprehensive pays for. At home, hail damage to windows and a roof from one storm is typically one claim with one deductible, and if your wind and hail deductible is a percentage, TDI suggests working out what it comes to in dollars before spring. Plano's 43 outdoor sirens sound for reported hail 1.5 inches across or bigger, which can be your cue to move a car under cover.

Where Spring Creek meets US 75

Several of Plano's flood reports center on US 75. Spring Creek ran over both US 75 service roads on March 18, 2008. High water shut US 75 in Plano and stranded several vehicles on September 21, 2018. On June 3, 2025, cars stalled in floodwater on US 75 at 15th Street. On June 19, 2026, firefighters filmed Spring Creek over its banks along the Chisholm Trail greenway at Cross Bend Road.

A car stalled in high water is also a comprehensive claim, and towing coverage, if you carry it, pays to tow a car that can't be driven. The city says flood insurance is available for every property in Plano, with a normal 30-day wait on a new policy.

Reports, alerts and neighbors

TxDOT counted 5,557 crashes inside Plano in 2025, including 15 fatal crashes that killed 18 people. Plano's weather-radio guidance lists codes for both Collin County and Denton County. The April 11, 2016 supercell also dropped hail of the same size in Allen, and DART's Silver Line, in passenger service since October 2025, runs from Shiloh Road Station in Plano through Richardson to DFW Airport.

• Crash reports: Plano Police sells its crash reports for $6 through an online portal; search by report number or two of three details (date, a driver's last name, street), and allow up to 10 business days for posting. In person: the main station at 909 14th Street or the Northwest substation at 4640 McDermott Road.
• Plano City Call: a CodeRED alert system with opt-in National Weather Service warnings; sign up online or text Plano to 24639.
• Flood zone help: engineering staff will look up a property's flood zone and can review its flood risk on site; call 972-941-7152 or see flood information assistance.

Local risk: the federal disaster record in Plano

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. Plano 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 Plano

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 Plano

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 Plano. See Texas car insurance.

Medicare in Plano

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 Plano

75023 · 75024 · 75025 · 75026 · 75074 · 75075 · 75086 · 75093 · 75094

Common questions