Short answer: Tarrant County's FEMA National Risk Index report ranks hazards for Fort Worth tracts. The Texas FAIR Plan is the residual property market for applicants who meet its eligibility rules.
This guide is general information for homeowners and drivers in the Fort Worth area (Tarrant County). It isn't legal advice or a coverage determination. Your policy wording, underwriting, city and county ordinances, and state insurance and motor-vehicle rules control. Check your address on FEMA's National Risk Index (county report for Tarrant County) and the Flood Map Service Center.
Local hazards: FEMA National Risk Index for Tarrant County
Look up FEMA's National Risk Index and the Tarrant County report.
Federal disaster declarations in Tarrant County
FEMA's disaster declarations data shows 13 major disaster declarations that included Tarrant County since 1966, led by severe storm events (5), flood events (3) and hurricane events (2). The most recent: Severe Winter Storms, 2021, Hurricane Harvey, 2017, Severe Storms, Tornadoes, Straight-Line Winds and Flooding, 2015 and Severe Storms, Tornadoes, and Flooding, 2007. FEMA also lists 12 emergency declarations for the county in the same data.
Fort Worth's flood insurance discount
Fort Worth joined FEMA's Community Rating System in 2012 as a Class 8 and moved up to Class 7 in 2023. The city's Stormwater review page says that gives a 15% discount on flood insurance premiums for homes and businesses citywide, whether or not they're inside the FEMA floodplain. Floodplain Management at City Hall (817-392-6261, [email protected]) can send an elevation certificate if one is on file. If not, you'll need to hire a surveyor or engineer.
Flood risk outside the FEMA map
Fort Worth also maps City Flood Risk Areas, places outside FEMA's regulatory floodplain where the city has still found flood risk. Since July 15, 2024, development on less than an acre in one of these areas has to raise structures two feet above the 100-year flood elevation, and an engineer must certify it won't push flooding onto neighbors. If you're buying in or near one of these areas, ask about flood coverage even if your lender doesn't require it.
Residual market: Texas FAIR Plan
The Texas FAIR Plan Association writes residual homeowners and dwelling coverage statewide outside the TWIA coastal area; see the TDI FAIR Plan overview for eligibility and how applications are submitted through a licensed agent.
Auto: 30/60/25
The TDI auto guide lists the Texas minimum of 30/60/25; TxDMV registration requires proof of insurance.
Questions? Contact Alishahi Insurance or call (877) 711-4545. See insurance in Texas.
Frequently asked questions
Is Fort Worth eligible for TWIA?
No. TWIA covers designated seacoast counties; Fort Worth uses voluntary insurers and, if needed, the Texas FAIR Plan.
What is the Texas auto minimum?
30/60/25 liability.
Does a Fort Worth homeowners policy cover flood?
No; flood needs a separate policy.
Alishahi Insurance · 439 N Canon Dr, Penthouse, Beverly Hills, CA 90210 · (877) 711-4545 · CA License #4348151. General information only. This isn't legal, tax or financial advice or a coverage determination. Coverage depends on policy language and underwriting, and rules vary by state.