Along US-75, SH-121 west of the Metroplex (Collin County; 1,195,359 residents; postal code 75009), $477,500 residential values meet 310 decade hail reports (max 5.25"), 45.8% 30+ minute commutes, and 29,742 county businesses led by Professional, Engineering & Tech Services.
Initialized at $477,500 (Zillow ZHVI (Sept 2026)) across a corridor with 310 decade hail reports (max 5.25"). Drag the Coverage A slider to compare $4,775 (1%) against $9,550 (2%) roof claim exposure and Class 4 impact-shingle savings.
| Metric | Collin Co. | TX Benchmark | Delta / Rating Signal |
|---|---|---|---|
| NOAA Hail (2016–2025) | 310 events (5.25" max, 2016) | 33 median | +277 vs. TX county median |
| Severe Wind & Tornadoes | 111 wind • 9 tornadoes | 30 wind med. | +81 wind events (6.1% rural area) |
| FEMA NFIP Penetration | 1,451 policies (0.3% SFHA) | 504,754 TX total | 927 of 300,712 homes in SFHA |
| Disaster Declarations (20-Yr) | 10 federal events | FEMA Title V | Latest: Severe Storms, Straight-Line Winds, Tornadoes, And Flooding (2024) |
| Typical Dwelling Value | $477,500 | $206,100 med. | 2.32× TX county median (+12.1% pop.) |
| Owner / Renter Split | 64.5% Own / 35.5% Rent | 62.4% / 37.6% | -2.1 pts renter share ($113,943 med. inc.) |
| Commute & Corridors | 68.0% solo (45.8% 30m+) | 38.9% 30m+ | Routes: US-75, SH-121, US-380, FM-1378 |
| Traffic Fatality Index | 6.4 / 100k | 13.5 / 100k | 0.47× statewide crash mortality |
| Private Businesses (CBP) | 29,742 establishments | NAICS census | Professional, Engineering & Tech Services (5,605); Healthcare & Medical Practices (4,398); Retail Trade & Dealerships (2,985) |
| Appraisal & Jurisdiction | Collin Central Appraisal District | Metroplex | FIPS 48085 • 841.4 sq. mi. |
With typical home values at $477,500 and 310 hail events plus 111 severe wind gusts across Collin County, a 2% roof deductible equals $9,550 vs. $4,775 at 1%. Verify full Roof Replacement Cost (RCV) and UL 2218 Class 4 impact-shingle discounts before renewal.
Across Collin County, 45.8% of solo drivers commute 30+ minutes along US-75, SH-121. Upgrading from Texas 30/60/25 minimums to 100/300/100 or 250/500/100 protects household income ($113,943 county median) from multi-vehicle claims.
Pools, acreage, youthful drivers, and $477,500 home equity increase civil judgment exposure. A personal umbrella policy sits above underlying auto and home liability for $1M–$5M in excess defense.
Serving 29,742 registered establishments (Professional, Engineering & Tech Services and Healthcare & Medical Practices), we place Builders Risk for new residential starts, contractor GL with Blanket Additional Insured COIs, and Inland Marine tool floaters.
All incorporated places and residential ZCTAs across 841.4 sq. miles (75009, 75442, 75409, 75071, 75424, 75407):
| Place | ZIP | Population | Type |
|---|---|---|---|
| Plano | 75074 | 282,181 | CITY |
| McKinney | 75071 | 248,840 | County Seat |
| Frisco | 75035 | 193,140 | CITY |
| Allen | 75013 | 102,778 | CITY |
| Wylie | 75098 | 55,426 | CITY |
| Prosper | 75078 | 28,825 | TOWN |
| Murphy | 75094 | 20,655 | CITY |
| Anna | 75409 | 16,792 | CITY |
| Princeton | 75407 | 16,683 | CITY |
| Celina | Shared ZCTA | 16,542 | CITY |
| Melissa | 75454 | 13,671 | CITY |
| Fairview | 75069 | 10,062 | TOWN |
| Lucas | 75002 | 7,437 | CITY |
| Parker | 75002 | 5,352 | CITY |
| Lavon | 75166 | 4,412 | CITY |
| Farmersville | 75442 | 3,591 | CITY |
Yes—across Collin County (310 decade hail events; 111 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.
Never—HO-3, DP-3, and commercial property forms exclude surface water and rising floodwaters. OpenFEMA tracks 1,451 active residential flood policies and 927 SFHA structures (0.3%) locally across 10 disaster declarations; compare NFIP and private flood side by side.
Only if your vehicle carries Comprehensive (Other Than Collision) coverage. Collision-only or liability-only policies pay nothing for animal strikes, windshield hail cracks (5.25" peak county stone), theft, or flash-flood submergence.
Under Texas Labor Code §406.005, private employers may elect non-subscriber status, though general contractors and commercial leases across 29,742 local firms frequently require statutory Workers' Comp and Waiver of Subrogation before site access.
Our TDI-licensed producers quote 24 personal, property, flood, recreational, commercial fleet, contractor, and surety lines digitally across postal area 75009 and statewide. We do not write life insurance, pet insurance, or standalone coastal TWIA windstorm policies.
Digital intake for Collin County • Bundle Personal, Property, Flood, or Commercial.
