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Home insurance & flood costs in ZIP 76262 (Roanoke, TX)

Plain facts for homeowners in Roanoke: what insurance cost here in recent years, how often claims were paid, and what flood coverage runs.

See the numbers

Historical averages, not a quote. Updated Oct 2026.

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ZIP 76262 at a glance

Four numbers most homeowners ask about first.

$3,689
Avg. home premium

Per policy in 2022 (inflation-adjusted), HO-3/HO-5 policies.

$881
Avg. flood policy

Single-family NFIP policies that took effect in 2025.

0.00%
Nonrenewal rate

Share of policies not renewed by insurers in 2022. Typical U.S. ZIP: 0.81%.

8.5%
Claim frequency

Share of policies with a paid claim in 2022. Typical U.S. ZIP: 4.0%.

ZIP 76262 in numbers
$79,128
average paid claim (2022)
+32%
premium change 2018–2022, after inflation
0.00%
cancelled by insurers mid-term (2022)
121
single-family NFIP policies (2025)

What homeowners here pay

Each block pairs a short explanation with the data behind it.

Homeowners insurance

U.S. Treasury FIO, HO-3/HO-5 policies, 2018–2022

The average premium per policy in ZIP 76262 was $3,689 in 2022, 36% above the Denton County typical ZIP ($2,717) and about 2.4 times the typical U.S. ZIP code ($1,551). After adjusting for inflation, it rose 32% between 2018 and 2022. About 8.5% of policies here had a paid claim in 2022, and insurers chose not to renew 0.00% of policies.

Denton County overview

Average premium per policy

Inflation-adjusted dollars, Treasury FIO
ZIP 76262DentonU.S. typical ZIP

Flood insurance

FEMA NFIP single-family policies, 2022–2025

The average single-family NFIP flood policy that took effect in ZIP 76262 in 2025 cost $881, based on 121 policies, compared with $1,062 in 2022. About 17% of them are for homes in high-risk A or V zones.

Average flood policy cost

Full cost incl. fees, by year the policy took effect

Policies by flood zone, 2025

121 policies
A zones 17%X/B/C zones 83%V zones 0%

Claims & hazards

Treasury FIO claim frequency; FEMA National Risk Index for Denton County

The chart shows the share of homeowners policies in ZIP 76262 with at least one paid claim each year. FEMA rates hazards for the whole county, not single ZIP codes. The top hazards for Denton County are listed below the chart, as national percentiles (100 = highest).

All county hazards

Policies with a paid claim

Share of policies, by year

Top county hazards

  • Tornado100 · Very High
  • Hail100 · Very High
  • Heat wave98 · Relatively High
  • Ice storm97 · Very High
  • Inland flooding96 · Relatively High

Other ZIP codes in Denton County

Average premium per policy in 2022 (Treasury FIO). Showing 12 of 24; see the county page for all.

75007 Carrollton · $2,88175010 Carrollton · $2,92775022 Flower Mound · $4,14175028 Flower Mound · $3,24675033 Frisco · $3,56375036 Frisco · $2,77275056 The Colony · $2,97175065 Lake Dallas · $2,61475067 Lewisville · $2,52675068 Little Elm · $2,49175077 Lewisville · $3,32476201 Denton · $2,525

Practical next steps

Simple things homeowners in ZIP 76262 can do with this information.

Look at your roof. Hail and wind claims often come down to the roof. Impact-resistant (Class 4) shingles can earn discounts in some states, and knowing your roof's age helps when you compare policies.
Prepare for freezing weather. Burst pipes are a common winter claim. Insulating exposed pipes, keeping heat on while away and knowing where your main water shut-off is all help.
Compare at renewal. Premiums vary widely by ZIP code, home and insurer. Use these averages as a reference point, not a price, and compare a few quotes at renewal.
Keep records. A roof certificate, receipts for upgrades and photos of your home's condition can help when you shop for coverage or file a claim.

Historical averages, not a quote. Homeowners figures are inflation-adjusted averages from the U.S. Treasury Federal Insurance Office "Supporting Underlying Metrics" (2018–2022, published January 2025). They cover HO-3/HO-5 policies from participating private insurers and exclude state residual-market plans (such as FAIR plans and Citizens), surplus-lines and flood coverage. Treasury notes that individual ZIP codes can contain data anomalies. Your price depends on your home, coverage and insurer.

Sources: U.S. Treasury FIO; FEMA OpenFEMA NFIP Redacted Policies v3 (data as of Sep 8, 2026); FEMA National Risk Index (December 2025); U.S. Census Bureau ZCTA-to-county relationship file (2020) and county adjacency file; GeoNames place names. How we calculate these numbers.

This product uses the FEMA OpenFEMA API and National Risk Index data, but is not endorsed by FEMA. The Federal Government or FEMA cannot vouch for the data or analyses derived from these data after the data have been retrieved from the Agency's website(s). SafeHomeFacts is independent and not affiliated with the U.S. Treasury, FEMA or any insurer.