If you own a home in Frisco, you're living in one of the fastest-growing cities in America, surrounded by master-planned communities, top-rated schools, and the kind of amenities most cities only dream about. But here's what your real estate agent probably didn't mention: Frisco sits right in the middle of Texas's hail alley, and that changes everything about your home insurance.
In 2024, Texas experienced 878 major hail events—more than any other state. State Farm alone reported over $1.1 billion in Texas hail damage claims. And in June 2025, hailstones up to 3 inches in diameter pummeled North Texas, shattering roofs across Frisco, McKinney, and Plano. The average hail damage claim in North Texas runs about $12,000, higher than the national average because of storm severity and property values.
But don't panic. Understanding how home insurance works in Frisco—and what actually matters for your coverage—can save you thousands and help you avoid nasty surprises when you need your policy most.
What Makes Frisco Different from Other Texas Cities
Frisco's housing market is unique. The vast majority of homes here were built in the last 20 years, many in master-planned communities like The Grove Frisco, Fields, and Fields East Village. New construction homes in these communities range from the mid-$500s to over $1 million, with the median price per square foot hitting $379.
This matters for insurance because newer homes often have modern building materials, impact-resistant windows, and better roofing systems—all of which can qualify you for discounts. But it also means property values are climbing fast, and you need to make sure your dwelling coverage keeps pace. If your home was insured for $450,000 three years ago but it's now worth $550,000, you're underinsured.
The hail risk is real. Frisco doesn't just get the occasional spring storm—it's in a zone that sees repeated, severe hail events year after year. This is why insurers are getting pickier about coverage in North Texas. Progressive actually stopped writing new homeowners policies in Texas in 2024 because of weather-related losses. Other insurers are raising deductibles, tightening roof coverage, and non-renewing policies in high-risk areas.
The 2% Deductible Reality (And What It Actually Costs You)
Here's where most Frisco homeowners get caught off guard: your wind and hail deductible is probably 2% of your dwelling coverage, not your annual premium. Let's say you have a $500,000 home. Your wind/hail deductible isn't some flat $1,000—it's $10,000. That's what you pay out of pocket before insurance kicks in for hail damage.
Most Texas insurers have shifted from 1% deductibles to 2% over the past few years, effectively doubling what you'll pay when a hailstorm hits. And it's completely legal—insurers argue it's necessary to keep premiums manageable given the frequency of claims.
This is important: don't let anyone waive your deductible. It's illegal in Texas, and if you do it, your insurance company can deny your entire claim. Roofers sometimes offer to "cover your deductible," but what they're really doing is inflating their estimate and putting you at risk of fraud charges.
Roof Type and Age: The Two Factors That Matter Most
In Frisco's hail-prone environment, your roof is everything. Insurance companies are now scrutinizing roof age more than ever. Many carriers have moved to roof payment schedules that depreciate coverage after 15 years. If your roof is 18 years old and gets destroyed by hail, instead of getting full replacement cost value (RCV), you'll get actual cash value (ACV)—which factors in depreciation and might only cover half the replacement cost.
If you're buying a home in Frisco, ask about the roof age and type during your inspection. Impact-resistant shingles (Class 4 rated) can qualify you for discounts—sometimes 10% or more off your premium. Given that the average Frisco homeowner pays between $1,566 and $2,647 annually for coverage, that discount adds up.
Nearly half of Texas roof insurance claims were closed without payment in 2024, up sharply from previous years. Insurers are denying claims for inadequate documentation, pre-existing damage, and maintenance issues. If a hailstorm does hit, document everything: take photos immediately, get a professional inspection from a licensed roofer (not just the guy who knocks on your door the next day), and file your claim within the required timeframe—usually 6 to 12 months.
How Master-Planned Communities Affect Your Coverage
Living in a master-planned community like The Grove or Fields comes with perks: resort-style pools, top-rated Frisco ISD schools, proximity to The Star and PGA Frisco. But it also means HOA fees, community amenities, and sometimes additional insurance considerations.
Your HOA typically carries a master insurance policy for common areas, but that doesn't cover your individual home or belongings. You still need your own homeowners policy with adequate dwelling coverage, personal property protection, and liability coverage. If someone slips on your driveway and sues, your HOA's policy won't help—you need your own liability coverage, which is included in a standard homeowners policy.
Because Frisco homes in master-planned communities tend to be newer and well-maintained, you might qualify for new home discounts or construction-type discounts. Ask your insurer what credits are available for homes built within the last 10 years, homes with modern electrical and plumbing systems, and homes in gated communities with security features.
How to Get the Right Coverage Without Overpaying
Shop around, but understand what you're comparing. The cheapest policy isn't always the best deal, especially if it comes with a higher deductible, ACV roof coverage, or lower dwelling limits. State Farm, USAA, Amica, Germania Insurance, and Mercury Insurance are among the top-rated carriers in Frisco.
Make sure your dwelling coverage reflects current replacement cost, not just the price you paid for the home. Construction costs have surged, and rebuilding your $600,000 home might actually cost $700,000 today. Many policies offer inflation guard endorsements that automatically increase your coverage each year.
Bundle your home and auto insurance to save 15% to 25%. Install a security system, smart water leak detectors, or a Ring doorbell—many insurers offer discounts for home security and monitoring systems. And if you haven't filed a claim in years, ask about claims-free discounts.
One more thing: Texas law protects you from rate increases after a single weather-related claim. That means if you file a hail claim this year, your insurer can't jack up your premium just because of that one claim. But if you file multiple claims, all bets are off—expect your rates to climb or your policy to be non-renewed.
What to Do After a Hailstorm
When hail hits—and in Frisco, it's a question of when, not if—document everything immediately. Take photos of any visible damage to your roof, siding, windows, and vehicles. Get up on your roof if it's safe, or hire a licensed inspector to do it for you.
Don't wait. You typically have 6 to 12 months to file a claim after the storm, but the sooner you file, the better. Delays can lead to complications—especially if another storm hits before you've filed for the first one.
Be wary of storm chasers—roofers who show up uninvited right after a hailstorm promising free inspections and instant repairs. Some are legitimate, but many are out-of-state contractors looking to make a quick buck. Always verify licenses, check references, and never let anyone pressure you into signing a contract or filing a claim before you've had time to think it through.
Home insurance in Frisco isn't like home insurance in other parts of the country. Hail risk is real, premiums are climbing, and the coverage landscape is changing fast. But if you understand how your policy works, keep your roof in good shape, and choose the right coverage limits and deductibles, you can protect your biggest investment without breaking the bank. Get quotes from multiple carriers, ask about discounts, and review your policy every year to make sure you're covered for what matters most.
