Lubbock rental wind, hail and freeze plan for landlords

Lubbock’s risk plan is about wind. The South Plains produce spring storms with hail and high winds, dust when the fields are dry, and winter freezes that reach exposed plumbing; flooding depends on the lot and the local drainage rather than on a river. The mandatory document is the Property Code §92.0135 flood disclosure, signed at or before signing. No Lubbock 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 — 100-year floodplain awareness and flooding in the past five years — from the FEMA Flood Map Service Center lookup and from records, using the TREC form wording, and keep a dated screenshot. Drainage and standing-water complaints go to the city; the Water Utilities Department handles the water and wastewater systems themselves.

Wind: the South Plains loss

Lubbock’s spring fronts arrive with straight-line wind, dust and hail, and the roof is where a rental takes the loss. Two questions for the policy before April: is the wind-and-hail deductible a percentage of the insured value rather than a flat dollar figure, and does the policy pay loss of rents while a unit is out of service and for how long? Ask a licensed agent what the declarations page does not answer. Then photograph the roof each spring and after every event, because the adjuster will ask what it looked like before. A tenant’s written report of a leak or wind damage is the trigger for §92.056; acknowledge it in writing the same day and log the contractor date.

Freeze on the High Plains

Lubbock freezes are longer and deeper than those in the eastern half of the state, and they reach pipes in exterior walls, attics and crawl spaces as well as hose bibs. Insulate before the end of October, test the heating at the same time, and show the tenant the water shutoff and the breaker panel at move-in — a tenant who can close the main valve turns a burst into a wet floor rather than a flooded house. The metered water from a burst bills to the City of Lubbock Utilities account named in the lease, so the utilities clause should say whose name is on it. A grid outage in a freeze is reported to LP&L, which owns the wires; the retail provider chosen since 2024 cannot restore power.

The page the tenant keeps

Print one page and leave it by the door: LP&L’s outage line; the Water Utilities Department at 806-775-2588 and the City of Lubbock Utilities account number; the city’s and Lubbock County’s alert channels; the landlord’s emergency number and the repair route exactly as the lease states it; the locations of the water shutoff, breaker panel and gas shutoff. After any event, the file holds dated photographs taken before repair, the tenant’s written report and the insurer’s claim number; if the dwelling cannot be lived in, §92.054 sets out the parties’ options, and §92.008 governs what the landlord may and may not do about utilities meanwhile.

LUBBOCK 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
Wind and hail	Insurance policy (licensed agent)	Deductible and loss-of-rents noted; roof photographed each spring
Power interruption	LP&L	Outage number on the sheet; §92.008 respected
Freeze damage	City of Lubbock Utilities	Account holder named; shutoff location on the sheet

What changes in Lubbock

Wind and hail are the dominant insured losses; the deductible structure matters more than the flood zone for most units.
Outage calls go to LP&L even though the tenant now buys power from a retail provider.
Hard freezes on the South Plains make pipe insulation the winter task.
The §92.0135 disclosure applies in full despite the dry climate.

Frequently asked questions

Do I need a flood disclosure for a Lubbock 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 Lubbock tenant call in a power outage?

Lubbock Power & Light, which owns and maintains the poles, wires and meters for every retail provider (LP&L explainer).

What should I ask my insurer before storm season in Lubbock?

Whether the policy has a separate wind-and-hail deductible, often a percentage of dwelling value, and what loss-of-rents cover pays while the unit is uninhabitable. Ask a licensed agent; this page cannot read your policy.

Who handles a water main break in Lubbock?

The City of Lubbock Water Utilities Department, 806-775-2588 (Water Utilities Department).

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.