North Texas experienced a prolonged period of severe weather from April 24 through April 29, 2026, characterized by six consecutive days of thunderstorms. The National Weather Service in Fort Worth recorded 287 storm reports during this period, including 226 instances of large hail and 111 warnings.
The agency confirmed 10 tornadoes, including an EF-3 event in Mineral Wells that resulted in two fatalities and at least 11 injuries. Officials described this as the most damaging severe weather stretch in the region since June 2025.
Collin County, which includes McKinney, was situated within this volatile weather pattern. Supercells moved across the Dallas-Fort Worth Metroplex on April 27, following a day of softball-sized hail in surrounding counties. While the county did not suffer the worst tornado impacts, the widespread hail likely affected roofs in McKinney, Allen, Frisco, and Prosper.
Homeowners filing claims for these damages are encountering significant changes in their insurance policies that differ from previous years.
A primary change is the increase in wind-and-hail deductibles. The standard deductible for these perils has shifted to 2 percent of the dwelling coverage amount across most of North Texas, with some high-risk areas seeing 3 percent rates. The previous flat 1 percent deductibles are largely unavailable.
This percentage applies to the total insured value of the home, not just the damage amount. For a property insured at $450,000, a 2 percent deductible requires the homeowner to pay the first $9,000 of damage. Many claims may not exceed this threshold, leaving the homeowner responsible for the full cost.
Another major shift involves how older roofs are valued. Many insurers are now paying actual cash value rather than replacement cost for roofs older than 10 to 15 years. Replacement cost covers the full price of a new roof, while actual cash value subtracts depreciation based on the roof's age and wear.
