Flood Risk & Insurance Costs in Collin County, TX

Understanding flood insurance options and risk factors in Collin County.

Median Home Value

$411,100

Est. NFIP Premium

$1,644/yr

Est. Private Premium

$1,233/yr

Potential Savings

$411/yr

NFIP vs. Private Flood Insurance

NFIP (Federal)

Annual Premium$1,644
Monthly Cost$137
Max Building Coverage$250,000
Max Contents Coverage$100,000

Private Flood Insurance

Annual Premium$1,233
Monthly Cost$103
Building CoverageUp to full value
Contents CoverageCustomizable

Flood Risk Context for Collin County

Collin County in Texas has a median home value of $411,100 and median household income of $113,255. A major flood event could cause up to $102,775 in damage to a median-value home.

Flood insurance costs vary significantly based on your specific flood zone, elevation, building characteristics, and claims history. The estimates above are county-level approximations. Use our calculator for a personalized analysis with a Monte Carlo simulation of 10,000 flood loss scenarios.

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Health and care costs

County-level data from U.S. Census Bureau American Community Survey (ACS) 2022 5-Year Estimates. Additional sources: FEMA NFIP, state insurance departments. Estimates are county-level approximations and may not reflect specific properties or flood zones. This is not insurance advice.