At the US-287, US-83 freight junction in county-wide (High Plains Region) (5,751 residents; garaging ZIP 79201), High Plains supercells generated 45 hail events (reaching 3.25" in 2020) and 73 high-wind gusts—making roof deductible selection vital on $135,300 properties.
Seeded to $135,300 (Zillow City ZHVI (Sept 2026)) in a High Plains supercell zone (45 hailstorms; peak 3.25"). Slide your rebuild estimate to calculate exact dollar exposure across 1%, 2%, 3%, and 5% wind/hail deductibles.
| Metric | FIPS 48075 territory | TX Benchmark | Delta / Rating Signal |
|---|---|---|---|
| NOAA Hail (2016–2025) | 45 events (3.25" max, 2020) | 33 median | +12 vs. TX county median |
| Severe Wind & Tornadoes | 73 wind • 0 tornadoes | 30 wind med. | +43 wind events (32.2% rural area) |
| FEMA NFIP Penetration | 1 policies (0.0% SFHA) | 504,754 TX total | 0 of 2,739 homes in SFHA |
| Disaster Declarations (20-Yr) | 8 federal events | FEMA Title V | Latest: Severe Winter Storm (2021) |
| Typical Dwelling Value | $135,300 | $206,100 med. | 0.66× TX county median (+1.8% pop.) |
| Owner / Renter Split | 71.1% Own / 28.9% Rent | 62.4% / 37.6% | -8.7 pts renter share ($49,200 med. inc.) |
| Commute & Corridors | 88.9% solo (38.7% 30m+) | 38.9% 30m+ | Routes: US-287, US-83, US-62, SH-256 |
| Traffic Fatality Index | 13.5 / 100k | 13.5 / 100k | 1.00× statewide crash mortality |
| Private Businesses (CBP) | 174 establishments | NAICS census | Retail Trade & Dealerships (34); Restaurants, Hotels & Food Service (29); Finance & Insurance (21) |
| Appraisal & Jurisdiction | Local Appraisal District | High Plains | FIPS 48075 • 696.5 sq. mi. |
Across county-wide (High Plains Region), NOAA recorded 45 hailstorms (peaking at 3.25" in 2020) and 73 severe wind events. Comparing $1,353 (1%) vs. $2,706 (2%) deductibles and verifying RCV roof settlement protects $135,300 homes.
Heavy interstate/US-highway truck volume on US-287, US-83 calls for 100/300/100 liability, Uninsured Motorist (§1952.101), and Comprehensive hail/glass protection on household pickups and SUVs.
Regional freight haulers, mechanical trades, and 34 Retail Trade & Dealerships establishments along US-287, US-83 compare commercial auto ($750k–$1M CSL), scheduled equipment Inland Marine, and General Liability.
Storefronts, warehouses, and offices face 3.25" hailstone exposure—requiring clear commercial roof valuation alongside Business Owners (BOP) liability and Texas surety bonds.
Spanning 696.5 sq. miles across county-wide (High Plains Region), nearby communities share regional storm and court-venue rating factors:
| Place | ZIP | Population | Type |
|---|---|---|---|
| Childress | 79201 | 5,751 | County Seat |
Following 45 NOAA hail reports (peaking at 3.25" in 2020) and 73 high-wind gusts across county-wide (High Plains Region), many carriers depreciate roofs older than 12–15 years onto Actual Cash Value (ACV) schedules. Comparing full Replacement Cost (RCV) carriers alongside $1,353 (1%) vs. $2,706 (2%) deductibles prevents surprise claim gaps.
Statewide claim records show more than a third of Texas flood claims occur in moderate-risk Zone X during stalled thunderstorm downpours (8 county disaster declarations since 2006). Zone X preferred-risk NFIP and private flood policies cost substantially less than high-risk floodplain tiers.
Only if your vehicle carries Comprehensive (Other Than Collision) coverage. Collision-only or liability-only policies pay nothing for animal strikes, windshield hail cracks (3.25" peak county stone), theft, or flash-flood submergence.
Personal auto policies exclude commercial tool delivery, snow/debris hauling, or higher-rated business use for 34 local Retail Trade & Dealerships operators. Commercial Auto or Hired & Non-Owned Auto (HNOA) keeps business liability intact.
Our TDI-licensed producers quote 24 personal, property, flood, recreational, commercial fleet, contractor, and surety lines digitally across postal area 79201 and statewide. We do not write life insurance, pet insurance, or standalone coastal TWIA windstorm policies.
Digital intake for Childress • Bundle Personal, Property, Flood, or Commercial.
