Insurance in Round Rock, Texas

Two storms that redrew Round Rock's damage map

The tornado of March 21, 2022 touched down in Travis County about 1.25 miles southwest of the I-35 and SH 45 interchange, then crossed Williamson County toward Granger on a twenty-nine-mile path. NOAA's survey notes describe a few homes in Windy Terrace and Greenlawn Place losing their entire roofs. A week later, the city's preliminary assessment counted 680 damaged residential structures, 13 of them destroyed.

On September 24, 2023, a storm complex dropped hail up to four inches in Round Rock, including 3.5-inch stones that broke windows and windshields at a car dealership. NOAA cites a newspaper report that the school district estimated $70 million in damage to 62 facilities, and calls the damage in Round Rock, Austin and Georgetown the most impactful from that system.

Storms like these test a home policy's dwelling limit and its wind and hail deductible. The city requires no building permit for a straight residential re-roof but does require drip edge under the 2015 International Residential Code. On a parked car, hail damage falls under comprehensive coverage in the Texas Department of Insurance's guide.

The I-35 stretch TxDOT flags for crashes

TxDOT says the crash rate on I-35 between RM 1431 and SH 45 North is substantially higher than the statewide average for urban interstates. Its plan for the 13 miles from SH 29 to SH 45 North would add two non-tolled HOV lanes each way and rebuild ramps and bridges; preliminary design and environmental studies are still underway.

On that corridor, collision pays to repair your own car after an accident, uninsured/underinsured motorist coverage pays when the other driver had no insurance or not enough (or drove off), and rental reimbursement covers a rental during repairs. The Round Rock Police Department's site has a Get a Crash Report link, and the car accident claims guide covers what follows.

Brushy Creek, newer rainfall data and your lot

The city's floodplain page says that once NOAA's Atlas 14 rainfall data is considered, today's FEMA 500-year floodplain is a more accurate estimate of the 100-year floodplain near Round Rock, and it urges owners and renters in either zone to seriously consider flood insurance. Because the city participates in the NFIP, any owner or resident can buy coverage for structures and contents. FEMA notes that a new policy usually waits 30 days (flood insurance guide).

Brushy Creek runs through the record: the 2022 tornado followed it into Forest Bluff, and Tropical Storm Hermine's flooding on September 8, 2010 led to the evacuation of about 100 homes along it near Round Rock. Upstream, it has closed a county road in Leander.

• City floodplain map: a map of the FEMA floodplains linked from the floodplain page; questions go to floodplain@roundrocktexas.gov or 512-218-7041.
• Round Rock Police Department: crash reports, online report filing and a crime map.
• Building Inspection: 512-218-5550, for roof jobs that go beyond replacing materials and need a remodel permit.

Local risk: the federal disaster record in Round Rock

Since 2000, FEMA has made 19 disaster, emergency or fire-management declarations covering Williamson County. By type:

• Wildfires: 7
• Hurricanes and coastal storms: 4
• Winter and ice storms: 3
• Severe storms (hail, wind, tornadoes): 2
• Floods: 1

Most recent major disaster declarations:

• 2025: Severe Storms, Straight-Line Winds, And Flooding
• 2023: Severe Winter Storm
• 2021: Severe Winter Storms
• 2015: Severe Storms, Tornadoes, Straight-Line Winds 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.

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. Round Rock 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 Williamson County figures; FEMA doesn't publish them by city.

Home insurance in Round Rock

Williamson 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 5 flood or hurricane declarations in Williamson 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 Round Rock

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 Round Rock. See Texas car insurance.

Medicare in Round Rock

105,589 Williamson County residents are eligible for Medicare, and 47.36% 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 Williamson County comes from the Capital Area AAA (512-916-6054), part of Texas’s HICAP program. See Medicare in Texas.

ZIP codes in Round Rock

78664 · 78665 · 78680 · 78681 · 78682 · 78683

Common questions