At the US-287, US-83 freight junction in Childress County (6,788 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 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 | Childress Co. | 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 | Childress County Appraisal District | High Plains | FIPS 48075 • 696.5 sq. mi. |
Across Childress County, 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.
All incorporated places and residential ZCTAs across 696.5 sq. miles (79201, 79245, 79230, 79095, 79259):
| Place | ZIP | Population | Type |
|---|---|---|---|
| Childress | Shared ZCTA | 5,751 | County Seat |
Yes—across Childress County (45 decade hail events; 73 wind events), certified UL 2218 Class 4 impact shingles and metal roofs typically qualify for 10%–22% wind/hail credits, provided you review whether the carrier attaches a cosmetic hail-dent exclusion.
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.
Supporting 174 county establishments (34 in Retail Trade & Dealerships), carriers generate ACORD 25 Certificates of Insurance, Additional Insured, and Waiver of Subrogation endorsements rapidly upon written policy binding and down-payment.
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 County • Bundle Personal, Property, Flood, or Commercial.
