Frisco rental hail, freeze and drought plan for landlords

Frisco’s weather is North Texas weather on expensive houses. With a median owner-occupied home value of $642,100 (Census QuickFacts), a percentage hail deductible is a large number; with two electric utilities in the city, the outage plan has to name the right one; and with all of the water coming from NTMWD, a drought stage can rewrite the yard clause mid-lease. The one mandatory document is the Property Code §92.0135 flood disclosure, signed at or before signing. No Frisco floodplain page was verified for this guide, so the flood section rests on the federal map and the state form.

Flood: the disclosure and its evidence

Answer the two §92.0135 questions from the FEMA Flood Map Service Center lookup and from records, using the TREC form wording, and keep a dated screenshot. Frisco’s creek corridors and greenbelts put some lots in mapped zones while neighbouring streets are clear; the map decides, not the subdivision.

Hail: do the arithmetic on the deductible

A 2% wind-and-hail deductible on a $600,000 dwelling is $12,000 before the insurer pays; a 1% deductible is $6,000. Read the declarations page for the percentage and for loss-of-rents cover, and ask a licensed agent what it does not say. Photograph the roof every spring — a June claim needs a March picture — and, for a house still under a builder’s roof warranty, keep the warranty terms with the policy. When a tenant reports a leak after a storm, their written report starts the repair clock under §92.056; acknowledge it in writing the same day and book the roofer the same week.

Freeze: the backflow assembly and the right utility

Irrigation backflow assemblies split first in a hard freeze; insulate them with the hose bibs and any exposed line before the first forecast freeze, test the heating, and show the tenant the water shutoff and the breaker panel. A burst on the house side of the meter bills to the City of Frisco water account named in the lease — say whose it is. A grid outage is reported to CoServ or to Oncor depending on the address (New resident guide); write the right number on the sheet, because the retail provider on an Oncor bill cannot restore power and a CoServ member has no retail provider at all.

Drought stages from a district outside the city

“NTMWD provides 100% of Frisco’s treated water” (Our water supply), and the district’s conservation stages reach residents through the city’s notices and guidelines. A lease that promises fixed watering days can be overtaken by a stage change; the durable clause says the tenant waters as the city’s current guidelines permit and that the landlord is not responsible for landscaping loss caused by lawful restrictions.

The sheet by the door and the after-event file

The correct outage number for the address (CoServ 800-274-4014 or Oncor 1-888-313-4747); City of Frisco utilities 972-292-5575; the city’s emergency alert channels.
The landlord’s emergency number and the repair route named in the lease; builder warranty contacts if any.
Water shutoff, breaker panel and gas shutoff locations.
After an event: dated photographs before repair, the tenant’s written report, the insurer’s claim number; §92.054 on casualty loss if the dwelling is unusable; §92.008 on utility interruption respected throughout.

FRISCO RISK SOURCES AND WHAT THE LEASE SAYS
Risk	Where to check	What the lease or file contains
100-year floodplain	FEMA map · TREC form	Signed §92.0135 disclosure; dated map screenshot
Hail and wind	Insurance policy (licensed agent)	Percentage deductible computed on the insured value; loss-of-rents noted; roof photographed each spring
Power interruption	New resident guide	The correct utility’s outage number on the sheet; §92.008 respected
Freeze damage	City of Frisco water account	Account holder named; shutoff and backflow location on the sheet
Water conservation stages	Our water supply · NTMWD board	Yard clause tied to the city’s current guidelines

What changes in Frisco

Percentage hail deductibles are large numbers on Frisco’s home values — compute them before the season.
Two utility territories in one city: the outage number on the sheet must match the address.
NTMWD conservation stages can change what the lease promised about the yard.
The §92.0135 disclosure applies in full; creek-corridor lots can be in mapped zones.

Frequently asked questions

Do I need a flood disclosure for a Frisco rental?

Yes. Property Code §92.0135 applies to most residential leases of 30 days or more anywhere in Texas: a signed written notice about 100-year floodplain awareness and flooding in the past five years.

Who does a Frisco tenant call in a power outage?

CoServ at 800-274-4014 or Oncor at 1-888-313-4747, depending on which utility serves the address (City of Frisco).

How big is a hail deductible on a Frisco house?

If the policy states it as a percentage of the insured value, 2% on a $600,000 dwelling is $12,000. Read the declarations page or ask a licensed agent; this page cannot read your policy.

Who sets watering restrictions in Frisco?

The North Texas Municipal Water District, which supplies all of the city’s treated water; the city relays the guidelines (Our water supply).

Sources

Rules change and the right answer can depend on the home, the city, the lease and the timing. These are the official pages this guide relies on; check them before signing, charging a fee, sending a notice or making a legal decision.

General information for U.S. landlords, with a Texas focus. This guide is not legal, tax or accounting advice. Consult a qualified professional for your situation. Written by the rentalfreelease.com Editorial Team; last reviewed September 19, 2026.