Moon Insurance Managers, Inc. · TDI license #5595
Home insurance in Fort Worth, a city that sits in five counties
Fort Worth's city limits reach into five counties, and almost everything that varies by geography in Texas insurance follows the county rather than the city. Two houses on the same road can answer to different appraisal districts and different courts — and be hit by exactly the same hailstorm.
Fort Worth, Texas
- County
- Tarrant County
- Wind & hail
- Inside the homeowners policy
- Flood (CRS)
- Confirmed with the city at application
- Appraisal district
- Tarrant Appraisal District
- License petitions
- Tarrant County courts
- 41years in Houston
- 20+markets compared
- Same dayDPS filing
- #5595TDI license
Tarrant and four others
One city, five sets of county answers
Most of Fort Worth is in Tarrant County. The rest reaches into Denton, Parker, Wise and Johnson. That does not change the storms, but it changes three practical things:
- Who values the property Five appraisal districts
- Tarrant Appraisal District for most of the city, and a different district for each of the other four counties. None of those valuations is your dwelling limit — that should be replacement cost, which after several years of construction cost inflation is usually the higher number. The gap between the two is where underinsurance lives.
- Which court hears a license petition The county that ordered the suspension
- An occupational license under Tex. Transportation Code § 521.242 is heard by the court that ordered the suspension. The SR-22 the petition requires is identical statewide — it is transmitted to the DPS electronically — but the courthouse is a county fact. Ours is a geo-less page for exactly that reason.
- Wind and hail: the same everywhere here Well outside the designated area
- All five counties are inland and outside the designated catastrophe area, so there is no separate windstorm policy anywhere in Fort Worth. Wind and hail sit inside the homeowners policy — behind a deductible that is usually a percentage of the dwelling limit rather than the flat figure printed above it.
Hail
Same storms as Dallas, same three provisions
The metroplex is one of the most hail-damaged metropolitan areas in the country and the systems that produce it do not stop at the county line. Neither do the policy terms carriers use to manage it: the percentage wind-and-hail deductible, the roof payment schedule that settles an older roof on depreciated value, and TDI Endorsement HO-145 excluding cosmetic damage to roof coverings caused by hail.
Those three are written out properly on the Dallas page, with what each one costs you at a claim and what it saves you at renewal. Restating them here would make two pages that half-explain the same thing, which helps nobody.
The one Fort Worth-specific note: this side of the metroplex has more acreage, more outbuildings and more equipment on residential policies. Coverage B for other structures is typically a percentage of the dwelling limit, and on a working property it runs out well before the barn does.
West of the city
Fire, fencing, and what Coverage B actually covers
Grassfire is a genuine exposure west toward Parker and Wise counties in a dry year, and it is the one major peril out here that a standard homeowners policy handles without an extra policy or a special endorsement. Fire is a named peril on every form we write.
What needs checking is not the peril but the limit. Fences, barns, shops, pens and detached garages fall under Coverage B, which is usually set as a percentage of the dwelling limit — often 10 percent. On a house with three outbuildings and a mile of fence, that number is decided by arithmetic nobody did on purpose. Equipment is a separate question again, and on a property with real operations it may belong on a commercial policy rather than a homeowners one.
Source: TDI Commissioner’s Bulletin B-0030-98 — Endorsement HO-145. Verified .
No obligation
Get a quote for Fort Worth
Tell us the address and what you are insuring. The phone is fastest: (281) 484-8320. There is a longer quote request form if you would rather write it down.
We are an independent agency and every line on this site is written statewide, so the address decides the carrier rather than the other way round — which is the whole reason the county facts above are on this page instead of in a brochure.
Monday to Thursday, 9:00 to 5:00; Friday, 9:00 to 4:00. 360 FM 1959, Houston, TX 77034.
Fort Worth questions we get every week
Which county is my Fort Worth address in?
Most likely Tarrant, but the city limits also reach into Denton, Parker, Wise and Johnson counties. It decides which appraisal district values the property, which county court would hear a petition for an occupational license, and which set of county records a carrier pulls. Five counties inside one city is unusual even by Texas standards.
Do I need windstorm insurance in Fort Worth?
No. Tarrant County is inland and far outside the designated catastrophe area, so wind and hail stay inside the homeowners policy rather than moving to a separate windstorm policy the way they do on the coast. What you do need to read is the wind-and-hail deductible inside that policy — in this metro it is usually a percentage of the dwelling limit.
Is hail as bad here as in Dallas?
The same storm systems cross both, and the policy provisions carriers use to manage them are identical: percentage wind-and-hail deductibles, roof payment schedules and TDI Endorsement HO-145 excluding cosmetic damage to roof coverings. We wrote those three out in full on the Dallas page rather than half-explaining them twice.
What about grassfire on the west side?
Fire is covered by a standard homeowners policy — that is the one major peril in this part of Texas that does not need a separate policy or a special endorsement. What is worth checking on acreage west of the city is whether outbuildings, fencing and equipment are actually scheduled, because Coverage B limits are usually a percentage of the dwelling and run out quickly on a working property.
Can a Houston agency write my Fort Worth policy?
Yes. Independent Texas agency, TDI license #5595 — every line on this site is written statewide. The office is on FM 1959 in Houston; the carriers are appointed statewide and the address on the application is what matters.
Where to go next
- Dallas hail provisions The three policy terms, written out in full
- Homeowners insurance Deductibles, roof terms, older roofs
- Rental property The house you own and somebody else lives in
- Commercial property The building, the contents, the wind line
- Auto insurance Any record — and hail damages cars too
- Every city we serve Thirteen Texas markets, by county
Fort Worth is one of thirteen — every city we write in, by county →