AMARILLO
Local $489 /month
$5,865 per year
Estimated average, $300,000 dwelling coverage
Why Pay More?
GET AFFORDABLE HOMEOWNERS INSURANCE RATES IN AMARILLO, TX
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AVERAGE COST OF HOME INSURANCE IN AMARILLO, TX
Homeowners in Amarillo pay an average of $5,865 a year for coverage, or about $489 a month. Rates run high because the Texas Panhandle sees frequent hail, strong winds, and severe spring storms. Roof age, rebuilding costs, and the chosen wind and hail deductible also shape what each household pays.
The Texas average sits near $4,668 a year, placing Amarillo roughly 26% above the state figure. Statewide rates already reflect coastal hurricane exposure and rising construction costs, yet Amarillo pays more because hail and wind losses hit nearly every part of the region. Insurers price that broad exposure into premiums.
Across the United States, homeowners pay an average of $2,808 a year, meaning Amarillo residents spend more than twice the national rate. Texas as a whole runs about 66% higher than that benchmark. Impact-resistant roofing, higher deductibles, and bundled policies are practical ways that Amarillo homeowners can narrow the gap.
TEXAS
Statewide $389 /month
$4,668 per year
Estimated average, $300,000 dwelling coverage
USA
National $234 /month
$2,808 per year
Estimated average, $300,000 dwelling coverage
LOCAL RISKS THAT AFFECT HOMEOWNERS' INSURANCE IN AMARILLO, TX
Hail and Thunderstorm Damage
Hail up to the size of baseballs struck Amarillo on May 28, 2013, destroying the Amarillo Botanical Gardens and damaging homes and car dealerships, according to the National Weather Service. Homeowners with older roofs should ask whether their policy pays replacement cost or actual cash value after hail damage occurs.
Policy tip: Ask how roof age affects a wind or hail claim.
Hurricane, Tropical Storm, and Wind Exposure
Amarillo sits far from the coast, so hurricanes rarely reach the city directly, but strong winds are a constant concern. The National Weather Service lists an all-time wind record of 84 mph and peak gusts of 81 mph. Documenting your roof and outbuildings with photos makes wind claims easier and faster to file after events like this one.
Policy tip: Ask how roof age affects a wind or hail claim.
Flooding and Flash Flood Hazards
Heavy rain in early June 2023 caused flash flooding that swept cars off Amarillo roadways and led to numerous water rescues. The National Weather Service reported that water escaped a full Lawrence Lake into nearby streets and homes. Since standard policies exclude flood damage, separate flood coverage closes that gap.
Policy tip: Ask how roof age affects a wind or hail claim.
Tornado Threat
During the severe storm of June 21, 2004, seven brief tornadoes formed around Amarillo, although none touched down within city limits, according to the National Weather Service. Tornado damage falls under the wind portion of a homeowners policy, so confirm your wind deductible and coverage limits before storm season arrives.
Policy tip: Ask how roof age affects a wind or hail claim.
Drought, Extreme Heat, and Wildfire Risk
Amarillo reached its record high of 111°F on June 26, 2011, the same year the city recorded just 7.01 inches of rain, its driest year on record, per the National Weather Service. Extended heat and drought spells dry out vegetation, so confirm your policy covers fire and smoke damage fully.
Policy tip: Ask how roof age affects a wind or hail claim.
Winter Storms and Freezing Temperatures
Amarillo averages 17.9 inches of snow each year, and heavy snowfalls of 10 inches or more arrive about once every five years, often with near-blizzard conditions, the National Weather Service states. Heavy snow loads can damage roofs, so check that your policy covers roof collapse from snow and ice weight.
Policy tip: Ask how roof age affects a wind or hail claim.
DO YOU NEED WINDSTORM OR FLOOD INSURANCE IN AMARILLO, TX?
Windstorm or Hail
No, Amarillo homeowners do not need separate windstorm insurance. The Texas Windstorm Insurance Association (TWIA) only serves designated coastal counties, and this Panhandle city sits hundreds of miles inland. A standard homeowners policy generally covers wind and hail damage from frequent High Plains storms, often with a separate deductible.
Flood Insurance
Flood coverage is a separate decision, since standard policies exclude rising water. Amarillo’s flat terrain and playa lakes can overflow during heavy rain, so residents in low-lying areas often buy a policy through the National Flood Insurance Program (NFIP). Pairing it with homeowners insurance in Texas covers both storm and flood losses.
WHAT AFFECTS YOUR HOME INSURANCE RATE IN AMARILLO, TX
Home insurance rates in Amarillo depend on local conditions and each property's characteristics. Because the city sits on the open High Plains, insurers evaluate regional weather exposure alongside the details of every home they cover. Each carrier applies its own underwriting guidelines and pricing models, so two companies may quote the same Amarillo home at noticeably different premiums. Reviewing quotes from several insurers helps homeowners understand where their rate stands. Below are the major factors that affect home insurance rates:
Home Age and Construction
Roof Age and Material
Distance From the Coast
Home Insurance Claims History
Credit-Based Insurance Score
Dwelling Value and Coverage Limit
Deductible Amount
Home Security and Safety Features
Neighborhood Crime Rate
Foundation or Water Damage Claims
Distance to Fire and Water Services
HOMEOWNERS INSURANCE COVERAGE OPTIONS IN AMARILLO, TX
Dwelling Coverage
This pays to rebuild your house after a tornado or fire destroys it. Set limits at the full rebuilding cost, and review them after renovations.
Other Structures Coverage
This covers detached garages, fences, and sheds when High Plains winds knock them down, usually at 10% of your dwelling coverage limit.
Personal Property Coverage
This replaces furniture, clothing, and electronics after theft, fire, or storm damage, typically at 50% to 70% of dwelling coverage, with jewelry sublimits.
Loss of Use / Additional Living Expenses
This pays for hotel stays and meals if hail or fire leaves your home unlivable, often up to 20% of dwelling coverage.
Personal Liability Coverage
This covers legal costs and damages if a guest is injured at your home or sues, with limits starting near $100,000 per claim.
Medical Payments Coverage
This pays a guest’s medical bills after a fall or dog bite at your home, regardless of fault, usually between $1,000 and $5,000.
Windstorm and Hail Coverage
This repairs roofs, siding, and windows after hail and wind. Homes with older roofs may face higher deductibles, so insure before spring storms.
Flood Insurance
This covers rising water from overflowing playa lakes or flash floods, which homeowners policies exclude. Buy early, since most policies take 30 days.
Water Backup Coverage
This endorsement pays for damage when sewer lines or drains back up during heavy rain, a loss standard homeowners policies leave out.
Foundation Coverage
This covers slab damage caused by a sudden plumbing leak under the home, while gradual settling and soil movement are usually excluded.
HOME INSURANCE DISCOUNTS IN AMARILLO, TX
In Amarillo, homeowners insurance often costs more because of frequent hail and High Plains windstorms, which makes every available discount worth requesting. Insurers commonly reduce premiums for Class 4 impact-resistant roofs, monitored alarm systems, updated wiring and plumbing, and several years without a filed claim. Combining home and auto policies with the same carrier can lower annual costs further. Reviewing discounts each year at renewal keeps your premium in line with recent home upgrades and helps you avoid paying for credits you already qualify for.
Multi-Policy Discount
Claims-Free Discount
New or Renovated Roof Discount
Monitored Alarm System Discount
Protective Device Discount
Gated Community or HOA Discount
New Home Discount
First-Time Homebuyer Discount
Non-Smoker Discount
Loyalty Discount
Automatic Payment Discount
Paid-in-full Discount
Senior Citizen Discount
Group Discount
Early Renewal Discount
WHY AMARILLO HOMEOWNERS CHOOSE CINCO
Competitive Rates
Industry Expertise
With or Without a License
With Good Credit, Bad Credit, or No Credit
Online/Phone/In-Person Services
Multiple Convenient Locations Near You
FREQUENTLY ASKED QUESTIONS ABOUT HOME INSURANCE IN AMARILLO, TX
How much does homeowners insurance cost in Amarillo, TX?
Homeowners in Amarillo pay an average of $5,865 a year for coverage, or about $489 a month. Individual premiums vary based on roof condition, rebuilding cost, claims history, and chosen deductible.
Do I need separate windstorm or flood coverage in Amarillo?
No separate windstorm policy is needed in Amarillo, since standard homeowners coverage includes wind and hail. Flood damage is excluded, so homes near playa lakes or in low-lying areas benefit from a separate flood policy.
What affects homeowners insurance rates in Amarillo?
Homeowners insurance rates in Amarillo are shaped by hail and wind exposure, roof age and material, rebuilding cost, and claims history. Your credit-based insurance score and selected deductible also influence the final premium.
Does CINCO offer bundled home and auto insurance in Amarillo?
Yes, CINCO offers bundled home and auto insurance for Amarillo residents. Placing both policies together often reduces your overall premium and lets you manage coverage, renewals, and claims through a single agency.
How do I get a homeowners insurance quote in Amarillo?
Request a homeowners insurance quote from CINCO online or by calling a licensed agent. Share your address, roof age, home size, and claims history so the agent can prepare accurate coverage options.
LICENSED AND TRUSTED BY AMARILLO HOMEOWNERS
CINCO has helped Texas homeowners find dependable coverage since 1981, and more than 7,000 five-star Google reviews reflect that long record of service. Our licensed agents know how hail, high winds, and winter freezes affect Amarillo properties, and they explain each policy option clearly before you make a final decision.
Our bilingual team serves clients in English and Spanish, handling everything from new quotes to policy changes and claims guidance. Along with homeowners insurance, CINCO offers auto, flood, and other personal coverage, so Amarillo families can keep their policies organized in one place and get answers from the same agents.
GET YOUR AMARILLO HOME INSURANCE QUOTE TODAY
Buying a home in Amarillo or renewing soon? Now is the right time to compare rates. Contact CINCO for a customized quote that matches your property and coverage goals.
Single-Family Home
Townhome
Condo (HO-6)
Mobile / Manufactured Home
Other
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Chris Daniels
Crystal has shown the epitome of professionalism. She has exceptional poise and ability. She is truly an asset to this company and the insurance industry. I look forward to future deals with her.
Google Review
Johnny Reighard
Edward was excellent. He was very friendly and highly knowledgeable, with an easygoing attitude and a down-to-earth personality. He helped us get a fantastic rate.
Google Review
Lloyd
This was a great experience. I enjoyed talking with Amanda. She was very nice, had great energy, and created a good atmosphere. We need more people like her. Thank you, Cinco!
Google Review
Kevin Hernandez
I had a really good experience with Edith. She made everything super easy, explained everything clearly, and helped me get a really good rate. I definitely recommend her.
Google Review
Marcos Guido
Sandy is awesome. She will help you as much as she can. She provided great customer service and was willing to go above and beyond to get me the best rate possible.
Google Review
Cliffton Boykin
Thank you to Julio Leija for assisting me with getting back on track with my coverage. He was polite and patient throughout the process. He helped me find the best insurance rate today!
Google Review
Rick Ciesielski
Maresa was very helpful with my auto insurance coverage. She clearly explained how I could pay my monthly premium online so I could keep my coverage from expiring.
Google Review
Kellye Carothers
Giselle was great at helping me get an insurance quote. She was very polite and helped me a lot. I will be meeting with her tomorrow to get my insurance. I hope you keep her—she’s really sweet.
Google Review
Joss M
I recommend coming here. I went to different insurance places to get quotes, but I had to come back to Cinco Insurance. Monica was a great help and provided the best quotes.
Google Review
Tashara
Denice was awesome in helping me find insurance for my car. I highly recommend her to anyone looking for insurance. She was able to find the lowest premium possible for me.
Google Review
Brandon Reyes
I’d like to thank Karina for helping me out today. She had a very pleasant voice and set everything up for me in a timely manner. I hope she has a blessed day!
Google Review
Edward Medina
Great service! Veronica was very understanding, took great care of me as a customer, and was very professional. Highly recommended for anyone looking for insurance.
Google Review
Arturo Rodriguez
I was looking for insurance during a very crucial moment, and this is where I found my solution. Thank you for the great service, especially Ms. Amanda. I truly appreciate your help.
Google Review
Maria Martinez
Cinco Insurance is awesome. They always answer my questions and are very professional. They always answer incoming calls and return calls in a timely manner. Julio, thank you for helping me.
Google Review
Abby Frausto
Five stars for Edith! She made the process super easy. Her customer service and communication skills were amazing. Thank you so much, Cinco Insurance!
Google Review
Chris Daniels
Crystal has shown the epitome of professionalism. She has exceptional poise and ability. She is truly an asset to this company and the insurance industry. I look forward to future deals with her.
Google Review
Johnny Reighard
Edward was excellent. He was very friendly and highly knowledgeable, with an easygoing attitude and a down-to-earth personality. He helped us get a fantastic rate.
Google Review
Lloyd
This was a great experience. I enjoyed talking with Amanda. She was very nice, had great energy, and created a good atmosphere. We need more people like her. Thank you, Cinco!
Google Review
Kevin Hernandez
I had a really good experience with Edith. She made everything super easy, explained everything clearly, and helped me get a really good rate. I definitely recommend her.
Google Review
Marcos Guido
Sandy is awesome. She will help you as much as she can. She provided great customer service and was willing to go above and beyond to get me the best rate possible.
Google Review
Cliffton Boykin
Thank you to Julio Leija for assisting me with getting back on track with my coverage. He was polite and patient throughout the process. He helped me find the best insurance rate today!
Google Review
Rick Ciesielski
Maresa was very helpful with my auto insurance coverage. She clearly explained how I could pay my monthly premium online so I could keep my coverage from expiring.
Google Review
Kellye Carothers
Giselle was great at helping me get an insurance quote. She was very polite and helped me a lot. I will be meeting with her tomorrow to get my insurance. I hope you keep her—she’s really sweet.
Google Review
Joss M
I recommend coming here. I went to different insurance places to get quotes, but I had to come back to Cinco Insurance. Monica was a great help and provided the best quotes.
Google Review
Tashara
Denice was awesome in helping me find insurance for my car. I highly recommend her to anyone looking for insurance. She was able to find the lowest premium possible for me.
Google Review
Brandon Reyes
I’d like to thank Karina for helping me out today. She had a very pleasant voice and set everything up for me in a timely manner. I hope she has a blessed day!
Google Review
Edward Medina
Great service! Veronica was very understanding, took great care of me as a customer, and was very professional. Highly recommended for anyone looking for insurance.
Google Review
Arturo Rodriguez
I was looking for insurance during a very crucial moment, and this is where I found my solution. Thank you for the great service, especially Ms. Amanda. I truly appreciate your help.
Google Review
Maria Martinez
Cinco Insurance is awesome. They always answer my questions and are very professional. They always answer incoming calls and return calls in a timely manner. Julio, thank you for helping me.
Google Review
Abby Frausto
Five stars for Edith! She made the process super easy. Her customer service and communication skills were amazing. Thank you so much, Cinco Insurance!
Google Review
Chris Daniels
Crystal has shown the epitome of professionalism. She has exceptional poise and ability. She is truly an asset to this company and the insurance industry. I look forward to future deals with her.
Google Review
Johnny Reighard
Edward was excellent. He was very friendly and highly knowledgeable, with an easygoing attitude and a down-to-earth personality. He helped us get a fantastic rate.
Google Review
Lloyd
This was a great experience. I enjoyed talking with Amanda. She was very nice, had great energy, and created a good atmosphere. We need more people like her. Thank you, Cinco!
Google Review
Kevin Hernandez
I had a really good experience with Edith. She made everything super easy, explained everything clearly, and helped me get a really good rate. I definitely recommend her.
Google Review
Marcos Guido
Sandy is awesome. She will help you as much as she can. She provided great customer service and was willing to go above and beyond to get me the best rate possible.
Google Review
Cliffton Boykin
Thank you to Julio Leija for assisting me with getting back on track with my coverage. He was polite and patient throughout the process. He helped me find the best insurance rate today!
Google Review
Rick Ciesielski
Maresa was very helpful with my auto insurance coverage. She clearly explained how I could pay my monthly premium online so I could keep my coverage from expiring.
Google Review
Kellye Carothers
Giselle was great at helping me get an insurance quote. She was very polite and helped me a lot. I will be meeting with her tomorrow to get my insurance. I hope you keep her—she’s really sweet.
Google Review
Joss M
I recommend coming here. I went to different insurance places to get quotes, but I had to come back to Cinco Insurance. Monica was a great help and provided the best quotes.
Google Review
Tashara
Denice was awesome in helping me find insurance for my car. I highly recommend her to anyone looking for insurance. She was able to find the lowest premium possible for me.
Google Review
Brandon Reyes
I’d like to thank Karina for helping me out today. She had a very pleasant voice and set everything up for me in a timely manner. I hope she has a blessed day!
Google Review
Edward Medina
Great service! Veronica was very understanding, took great care of me as a customer, and was very professional. Highly recommended for anyone looking for insurance.
Google Review
Arturo Rodriguez
I was looking for insurance during a very crucial moment, and this is where I found my solution. Thank you for the great service, especially Ms. Amanda. I truly appreciate your help.
Google Review
Maria Martinez
Cinco Insurance is awesome. They always answer my questions and are very professional. They always answer incoming calls and return calls in a timely manner. Julio, thank you for helping me.
Google Review
Abby Frausto
Five stars for Edith! She made the process super easy. Her customer service and communication skills were amazing. Thank you so much, Cinco Insurance!
Google Review
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