Is Your Lubbock County, TX Homeowners Insurance Ready for Hail and Strong Wind?
The FEMA National Risk Index rates both hail and strong wind in Lubbock County as Very High, higher than 99.8% of U.S. counties, and the county's overall natural hazard risk as Relatively High, higher than 96.2% of U.S. counties. That covers the 121,685 occupied homes counted by the U.S. Census, from Lubbock to Wolfforth, Slaton, Shallowater and Idalou. Your policy will pay for much of that damage, but only after a deductible you may not know you have.
Lubbock County Risk Profile
Overall risk: Relatively High, higher than 96.2% of U.S. counties
| Hazard | Rating | Score (percentile) |
|---|---|---|
| Wildfire | Relatively Low | 86.2 |
| Riverine Flooding | Relatively Moderate | 92.1 |
| Tornado | Relatively High | 98.8 |
| Hail | Very High | 99.8 |
| Strong Wind | Very High | 99.8 |
| Lightning | Relatively High | 83 |
Source: FEMA National Risk Index. Scores are percentile ranks among all U.S. counties: a score of 90 means higher risk than 90% of counties. Ratings are for the county as a whole.
Lubbock County at a Glance
- County seat
- Lubbock
- Largest towns
- Lubbock, Wolfforth, Slaton, Shallowater, Idalou
- Occupied homes
- 121,685
- Flood insurance (NFIP) policies in force
- 765
- FEMA disaster declarations
- 18 (most recent February 19, 2021)Counts fire, hurricane, severe ice storm, severe storm and tornado declarations
Sources: U.S. Census Bureau (American Community Survey), FEMA NFIP policy data, FEMA disaster declarations.
Does homeowners insurance cover strong wind damage in Lubbock County, TX?
Yes, strong wind damage to your home is generally covered under a standard homeowners policy, but not at the deductible you might expect. Most Texas policies carry a separate wind or hail damage deductible that is different from your main one. Find that number now, before a storm makes it matter.
What should Lubbock County homeowners ask their insurance agent this week?
Start with the deductible. Hail and strong wind both rank Very High here, so these are the two perils most likely to produce your claim. Ask your agent these questions and get the answers in writing:
- What is my separate wind and hail deductible, and is it a flat dollar amount or a percentage of my home’s insured value?
- Does that deductible apply to hail, to wind, or to both?
- Is my roof paid at replacement cost or at depreciated actual cash value?
- Do I have any cosmetic damage exclusion for roofing or metal surfaces?
- Do I have flood insurance, and if not, what would it cost to add?
Do not accept “it’s standard.” Deductibles and roof terms vary from policy to policy.
What does a Lubbock County homeowners policy actually cover?
Wind and hail are generally covered. Tornado damage falls in the same group. Fire is covered too, and when fire claims go wrong, the fight is usually over how much is owed, not whether the peril counts.
Flood is the gap. A standard homeowners policy excludes it. To cover your property, you will need separate flood insurance, either through the NFIP or a private flood policy. FEMA’s NFIP shows 765 flood policies in force in Lubbock County, against 121,685 occupied homes, and the county’s riverine flooding rating is Relatively Moderate, higher than 92.1% of U.S. counties, so check where you stand.
Disasters here are not hypothetical. FEMA counts 18 fire, hurricane, severe ice storm, severe storm and tornado disaster declarations for Lubbock County, the most recent on 2021-02-19. Source: FEMA National Risk Index.
How the wind and hail deductible changes what Lubbock County homeowners collect
Two deductibles, one policy. Your main deductible usually applies to fire and other losses. A separate, often larger wind or hail deductible applies when the storm is the cause. In Lubbock County, where hail and wind both rank Very High, that second number is the one that decides your check.
Percentage deductibles hit harder. A deductible set as a percentage of your home’s insured value can be much larger than a flat dollar amount. If your repair estimate is close to that figure, you may collect little or nothing, even though the damage is real and covered.
The estimate matters twice. Every dollar the insurer leaves out of the repair scope comes out of a payment already reduced by the deductible. A low estimate on a roof with a big deductible can wipe out the claim.
How a public adjuster helps with hail and wind claims in Lubbock County
We work for you, not the insurer. If a claim ever happens, Lubbock public adjusters from ClaimsMate document the structural damage and your personal property losses, review your policy’s coverage for that claim, and evaluate the scope and cost of the covered damage.
The deductible math gets checked. A licensed public adjuster prepares and organizes the claim and communicates and negotiates with the insurance company. We also assist with disputed, underpaid or denied claims. Learn what a public adjuster is, and see how to deal with the insurance company’s adjuster.
Before any storm, do three things yourself: find your wind and hail deductible, confirm whether you have flood coverage, and photograph your roof, rooms and belongings.
Frequently Asked Questions
How high is hail risk in Lubbock County, TX?
The FEMA National Risk Index rates hail risk in Lubbock County as Very High, higher than 99.8% of U.S. counties. This is a county-level rating, not a figure for any single address or town.
Is flood covered by homeowners insurance in Lubbock County?
No. Flood is excluded from a standard homeowners policy and needs separate flood insurance, through the NFIP or a private insurer. FEMA lists 765 NFIP policies in force in Lubbock County.
What is a separate wind and hail deductible?
It is a deductible that applies only to wind or hail losses, apart from your main policy deductible. It may be a flat amount or a percentage of your home’s insured value, so confirm which one your policy uses.
What kinds of FEMA disasters has Lubbock County had?
FEMA counts 18 fire, hurricane, severe ice storm, severe storm and tornado disaster declarations for Lubbock County, the most recent on 2021-02-19.
Final Word: Wind and Hail Deductibles Decide Your Payout in Lubbock County
Hail and strong wind both rate Very High in Lubbock County, and the separate deductible for those perils can shrink a covered claim before you see a dollar. Learn that number and confirm your flood coverage before the next storm.
Contact ClaimsMate for wind and hail insurance claim issues. ClaimsMate’s expert and licensed public adjusters represent you, never the insurance company, and help with disputed, underpaid or denied claims. Contact us for a no-cost consultation.
Sign up for a free consultation today from ClaimsMate to discover the best path forward for your hail damage insurance claim.
Public Adjusters Serving Lubbock County
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Stephanie is a property insurance claim expert with over 20 years of experience working as an insurance adjuster, expert witness, appraiser and umpire. She is passionate about sharing her expertise, knowledge, tips and training to help both property owners and Public Adjusters in their pursuit of effectively managing claims and recovering the claim settlement they deserve after a loss.
