Potter County Ranks in the Top 10 for This, No Wonder Your Insurance is So Expensive

Living in the Texas Panhandle and Amarillo can bring all sorts of weather.  We have a little bit of everything.  Rain, tornados, heat, snow, and flooding.  Unfortunately, all of those things can cause disasters.

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When there are disasters, that means there is a rise in your insurance premiums.  Unfortunately, Potter County is ranked in the Top 10 in Texas for climate risk.

Potter County is #7

• The overall risk score for Potter County is 9.5
• Cold and Freeze Risk: 8.7
• Severe Storm Risk: 10
• Tornado Risk: 9.7
• Wildfire Risk: 9.5

Randall County isn't far behind

• The overall risk score for Potter County is 9.4
• Cold and Freeze Risk: 9.7
• Severe Storm Risk: 9.8
• Tornado Risk: 9.7
• Wildfire Risk: 9.8

Lubbock County

• The overall risk score for Potter County is 9.4
• Cold and Freeze Risk: 9.7
• Severe Storm Risk: 8.8
• Tornado Risk: 9.9
• Wildfire Risk: 9

Check out where the rest of Texas sits.

According to Market Watch, Amarillo residents are paying high insurance premiums.  The average cost of homeowners insurance is $7,337 per year.   The Texas average for insurance is $5,137 per year.

SOURCE: Market Watch Guides

The reason for this high insurance is how at risk Amarillo is for climate-related disasters.  Amarillo both Potter and Randall Counties have experienced multiple disasters in the last few years, from flooding to wildfires to crazy hail.  All of that impacts the cost of insurance regardless if you were affected or not.

We cannot stop what Mother Nature is going to throw at us, and unfortunately, we have to have insurance on our homes and have no control over the increases. We are stuck paying what we have to pay or running the risk of having your home destroyed and paying out of pocket for repairs.