Along I-20, US-180 west of the Metroplex (Parker County; 173,494 residents; postal code 76087), $443,600 residential values meet 138 decade hail reports (max 3.00"), 53.9% 30+ minute commutes, and 3,470 county businesses led by Construction & Specialty Trades.
Initialized at $443,600 (Zillow ZHVI (Sept 2026)) across a corridor with 138 decade hail reports (max 3.00"). Drag the Coverage A slider to compare $4,436 (1%) against $8,872 (2%) roof claim exposure and Class 4 impact-shingle savings.
| Metric | Parker Co. | TX Benchmark | Delta / Rating Signal |
|---|---|---|---|
| NOAA Hail (2016–2025) | 138 events (3.00" max, 2025) | 33 median | +105 vs. TX county median |
| Severe Wind & Tornadoes | 56 wind • 11 tornadoes | 30 wind med. | +26 wind events (64.3% rural area) |
| FEMA NFIP Penetration | 429 policies (3.3% SFHA) | 504,754 TX total | 1,486 of 44,721 homes in SFHA |
| Disaster Declarations (20-Yr) | 12 federal events | FEMA Title V | Latest: Severe Winter Storm (2021) |
| Typical Dwelling Value | $443,600 | $206,100 med. | 2.15× TX county median (+17.1% pop.) |
| Owner / Renter Split | 82.0% Own / 18.0% Rent | 62.4% / 37.6% | -19.6 pts renter share ($95,277 med. inc.) |
| Commute & Corridors | 77.9% solo (53.9% 30m+) | 38.9% 30m+ | Routes: I-20, US-180, SH-171, FM-1187 |
| Traffic Fatality Index | 19.4 / 100k | 13.5 / 100k | 1.44× statewide crash mortality |
| Private Businesses (CBP) | 3,470 establishments | NAICS census | Construction & Specialty Trades (545); Retail Trade & Dealerships (407); Professional, Engineering & Tech Services (361) |
| Appraisal & Jurisdiction | Parker County Appraisal District | Metroplex | FIPS 48367 • 903.7 sq. mi. |
With typical home values at $443,600 and 138 hail events plus 56 severe wind gusts across Parker County, a 2% roof deductible equals $8,872 vs. $4,436 at 1%. Verify full Roof Replacement Cost (RCV) and UL 2218 Class 4 impact-shingle discounts before renewal.
Across Parker County, 53.9% of solo drivers commute 30+ minutes along I-20, US-180. Upgrading from Texas 30/60/25 minimums to 100/300/100 or 250/500/100 protects household income ($95,277 county median) from multi-vehicle claims.
Pools, acreage, youthful drivers, and $443,600 home equity increase civil judgment exposure. A personal umbrella policy sits above underlying auto and home liability for $1M–$5M in excess defense.
Serving 3,470 registered establishments (Construction & Specialty Trades and Retail Trade & Dealerships), 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 903.7 sq. miles (76087, 76088, 76066, 76082, 76008, 76085):
| Place | ZIP | Population | Type |
|---|---|---|---|
| Weatherford | 76086 | 30,385 | County Seat |
| Briar | 76020 | 5,635 | CDP |
| Willow Park | Shared ZCTA | 4,815 | CITY |
| Aledo | 76008 | 4,692 | CITY |
| Springtown | 76082 | 3,051 | CITY |
| Annetta | 76008 | 2,990 | TOWN |
| Hudson Oaks | Shared ZCTA | 2,024 | CITY |
| Carter | 76082 | 1,467 | CDP |
| Western Lake | Shared ZCTA | 1,192 | CDP |
| Dennis | 76462 | 857 | TOWN |
| Annetta South | 76008 | 810 | TOWN |
| Horseshoe Bend | Shared ZCTA | 642 | CDP |
| Annetta North | 76008 | 583 | TOWN |
| Millsap | 76066 | 396 | TOWN |
| Garner | 76088 | 386 | CDP |
| Sanctuary | 76020 | 243 | TOWN |
Yes—across Parker County (138 decade hail events; 56 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 429 active residential flood policies and 1,486 SFHA structures (3.3%) locally across 12 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 (3.00" 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 3,470 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 76087 and statewide. We do not write life insurance, pet insurance, or standalone coastal TWIA windstorm policies.
Digital intake for Parker County • Bundle Personal, Property, Flood, or Commercial.
