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.

WARNING: These Are the Counties With the Most Tornadoes in Texas

Stacker compiled a list of counties which experience the most tornadoes in Texas using data from NOAA's National Centers for Environmental Information.

Gallery Credit: Stacker

LOOK: Biggest Snowfalls Recorded in Texas History

Stacker compiled a list of the biggest 1-day snowfalls in Texas using data from the National Centers for Environmental Information.

Gallery Credit: Stacker

Most Destructive Wildfires in Texas History

As a massive wildfire recently broke out in Texas panhandle. I decided to look up the most destructive wildfires in our state's history. All info taken from Texas A&M Forest Service.

Gallery Credit: Stryker

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