Dallas-Fort Worth Flood Insurance
Protecting the DFW Metroplex from Trinity River & Creek Flooding
Dallas-Fort Worth Flood Risk
The DFW metroplex sits along the Trinity River system and its many tributaries. While North Texas may not seem like flood country, the region experiences significant flooding from heavy rains—and many homeowners don't realize they're in a flood zone until it's too late.
DFW Flood Sources
Trinity River
Main drainage for entire metroplex, floods from Dallas to Fort Worth
White Rock Creek
Floods East Dallas and surrounding neighborhoods
West Fork Trinity
Affects Fort Worth and western suburbs
Flash Flooding
Severe Texas storms create rapid urban flooding
Real DFW Premium Examples
These are actual premiums from Dallas-Fort Worth properties we've insured. Rates vary based on property type, coverage limits, and proximity to the Trinity River system.
Dallas
| ZIP / Area | Building Coverage | Contents | Annual Premium |
|---|---|---|---|
| 75203 (South Dallas) | $155,000 | $40,000 | $175 |
| 75232 | $100,000 | $50,000 | $225 |
| 75229 | $250,000 | $0 | $248 |
| 75229 | $229,075 | $50,000 | $288 |
| 75244 (Zone X) | $250,000 | $100,000 | $350 |
| 75215 | $200,000 | $8,000 | $350 |
| 75229 | $236,250 | $0 | $454 |
| 75228 | $250,000 | $0 | $500 |
| 75227 | $250,000 | $0 | $638 |
| 75254 (Apartments) | $798,627 | $0 | $4,279 |
| 75228 (Commercial) | $500,000 | $125,000 | $18,149 |
Fort Worth
| ZIP / Area | Building Coverage | Contents | Annual Premium |
|---|---|---|---|
| 76102 | $250,000 | $100,000 | $375 |
| 76179 | $250,000 | $0 | $404 |
| 76108 | $250,000 | $100,000 | $406 |
| 76131 | $310,000 | $100,000 | $475 |
| 76107 | $250,000 | $0 | $611 |
| 76107 | $1,107,414 | $500,000 | $842 |
| 76116 | $250,000 | $25,000 | $1,039 |
| 76116 (Apartments) | $601,832 | $0 | $2,353 |
Note: DFW premiums vary significantly. Many properties qualify for rates under $500/year, while commercial properties and those in AE zones near the Trinity River pay more.
DFW Metro Areas We Serve
We help homeowners and businesses navigate flood risk across the Metroplex:
East Dallas / White Rock
HIGHER RISK- ✓ White Rock Creek flooding
- ✓ Some AE zone properties
- ✓ Historic neighborhoods varied
- ✓ Check specific address
Downtown Dallas / Trinity
MODERATE RISK- ✓ Trinity River floodplain
- ✓ Levee protection in places
- ✓ Commercial property expertise
- ✓ Verify flood zone status
Fort Worth / West Fork
MODERATE RISK- ✓ West Fork Trinity corridor
- ✓ Mix of flood zones
- ✓ Apartment complexes common
- ✓ Location-specific risk
North Dallas / Carrollton
LOWER RISK- ✓ Generally higher elevation
- ✓ Most properties Zone X
- ✓ Some creek flooding pockets
- ✓ Often excellent rates
Plano / Frisco
LOWER RISK- ✓ Suburban areas lower risk
- ✓ Most properties Zone X
- ✓ Flash flood possible
- ✓ Affordable coverage available
Arlington / Grand Prairie
MODERATE RISK- ✓ Between Dallas and Fort Worth
- ✓ Trinity tributary flooding
- ✓ Mix of flood zones
- ✓ Individual assessment needed
Why DFW Homeowners Choose Us
130+ DFW Policies
We understand the Trinity River system and DFW flood dynamics
Multiple Carriers
CatCoverage, Argenia, Sterling, TFIA, and Neptune compete for you
Apartment & Commercial
We insure major complexes and commercial assets across DFW
NFIP Direct Appointment
We can help with difficult properties other agents can't insure
FAQs
It doesn't flood in Dallas, does it?
Absolutely. The Trinity River and its tributaries create significant flood zones throughout DFW. Flash flooding from severe storms is also common. Over 25% of flood claims nationwide come from properties outside high-risk zones.
Why are apartment building premiums so high?
Commercial properties like apartment complexes often have higher coverage needs and may be located in flood-prone areas near the Trinity River. Under Risk Rating 2.0, premiums reflect the specific flood risk and replacement cost of each property.
I'm in Plano/Frisco. Do I need flood insurance?
While these areas are generally lower risk, flash flooding can occur anywhere in DFW during severe storms. Many properties qualify for rates under $350/year—affordable peace of mind.
How quickly can I get coverage for a closing?
We can typically have quotes ready within 24-48 hours and bind coverage shortly after. If you're closing soon, call us directly and we'll prioritize your application.
Get Your DFW Flood Insurance Quote
We typically respond within 24 hours with multiple quote options.