Legacy Insurance
420 Commerce St, Childress, TX 79201
View this agency's profile to learn more about their services.
Loading...
City directory
Childress households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
Compare local agents, coverage options, and specialties to find the right fit for your insurance needs.
420 Commerce St, Childress, TX 79201
View this agency's profile to learn more about their services.
217 Main St, Childress, TX 79201
View this agency's profile to learn more about their services.
207 Main St, Childress, TX 79201
View this agency's profile to learn more about their services.
Learn about insurance coverage options specific to Childress residents.
Childress home insurance guide: tornado & hail coverage, flood risks, average costs, and how to save on premiums in this Texas Panhandle city.
Car InsuranceGet comprehensive auto insurance in Childress, TX. Understand 30/60/25 requirements, hail protection, and rates for this US-287/83 crossroads. Compare quotes today.
General Insurance EducationChildress faces the nation's highest weather risk. Get expert insurance guidance for homes, autos, and protection against hail, tornadoes & wildfires.
Yes, standard homeowners insurance policies in Childress include wind and hail coverage, unlike coastal Texas areas where you need separate windstorm insurance. However, many insurers now apply a separate 2% deductible for wind and hail claims, which means you'll pay more out of pocket for storm damage than for other types of claims. Always check your policy's deductible structure before a storm hits.
Flood insurance isn't required unless you're in a mapped high-risk flood zone with a federally backed mortgage, but it's worth considering. The Prairie Dog Town Fork of the Red River can flood during severe weather events, and flash flooding from intense thunderstorms can happen anywhere in Childress County. Standard homeowners policies don't cover flood damage at all, so you'd need a separate NFIP or private flood policy.
Texas home insurance premiums jumped 21% in 2023 and another 19% in 2024, driven primarily by severe weather claims. Texas leads the nation in tornado activity with over 100 tornadoes annually and recorded 878 significant hail events in 2024 alone. Insurance companies have paid out billions in weather-related claims, and they're passing those costs to policyholders through higher premiums and stricter underwriting.
While specific Childress data isn't published, you'll likely pay less than the statewide average of $4,101 annually because home values in Childress (averaging around $148,000) are well below the state average of $334,000. However, your severe weather risk keeps your premium elevated regardless of home value, so don't expect a 50% discount just because homes cost half as much.
Shop around with at least three insurers, as rates vary significantly between companies. Consider raising your standard deductible to $2,500 or $5,000 if you have adequate savings. Install impact-resistant roofing shingles (Class 4 rated) for both a discount and better hail protection. Bundle your home and auto policies, and ask about discounts for security systems and claims-free history.
Document all damage with photos and videos before making any repairs. Make temporary repairs to prevent further damage (like tarping a damaged roof) and keep all receipts—your insurer should reimburse these costs. File your claim promptly, but be cautious about storm-chasing contractors who appear immediately after severe weather. Get multiple estimates before committing to any repair contracts.
Stand out to local shoppers with your team, specialties, and business hours. Member agencies get priority placement and more features.
Join the network