McKinney rental hail, freeze and drought plan for landlords

McKinney’s weather is Collin County’s: hail and severe storms in spring, hard freezes in winter, and a water supply — NTMWD through the city — whose conservation stages can change the yard rules mid-lease. Two utilities serve the city, so the outage plan has to name the right one for the address. The one mandatory document is the Property Code §92.0135 flood disclosure, signed at or before signing. No McKinney 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. McKinney’s creek corridors put some lots in mapped zones while nearby streets are clear; the map decides.

A storm day in McKinney, hour by hour

WHO DOES WHAT WHEN HAIL HITS A McKINNEY RENTAL
When	Tenant	Landlord	Source
During the storm	Stays inside; does not go on the roof; notes the time	Nothing yet
Same evening	Reports any leak or broken glass in writing — email or the lease’s portal	Acknowledges in writing; the §92.056 clock has started	Property Code §92.056
Next morning	Photographs interior damage; keeps damaged items	Photographs the roof and exterior with dates; calls the roofer; opens the claim
Within days	Cooperates with access for the roofer and adjuster	Reads the declarations page: percentage wind-and-hail deductible on a house whose median value is $471,800 (Census); loss-of-rents cover
If the power is out	Calls Oncor or CoServ — whichever serves the address	Does not promise a restoration time the utility has not given	City FAQ
Afterwards	Signs the repair completion note	Files photographs, claim number and invoices together

Freeze: before, during, after

Before: insulate exposed lines, hose bibs and the irrigation backflow assembly, test the heating, and walk the tenant to the water shutoff and the breaker panel. During: the tenant drips faucets and, if a pipe bursts, closes the main valve — which is why the walk-through matters — and calls the number for the utility that actually serves the address (City FAQ). After: the metered water from any burst lands on the City of McKinney account named in the lease (Water billing), so the utilities clause should say whose name is on it, and §92.008 governs what the landlord may and may not do about utilities while the grid is down.

When the district cuts the water

McKinney’s watering guidelines (City of McKinney) change when the North Texas Municipal Water District moves to a conservation stage. A lease that fixed watering days is now wrong; a lease that referred to “the city’s current guidelines” is still right. Write it the second way, and add 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 (Oncor or CoServ); the City of McKinney water line; the city’s emergency alert channels.
The landlord’s emergency number and the repair route named in the lease.
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.

McKINNEY 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	City FAQ	The correct utility’s outage number on the sheet; §92.008 respected
Freeze damage	City water account	Account holder named; shutoff and backflow location on the sheet
Water conservation stages	Watering guidelines	Yard clause tied to the city’s current guidelines

What changes in McKinney

Percentage hail deductibles are large numbers on McKinney’s home values — compute them before the season.
Two utilities serve the city: the outage number on the sheet must match the address.
NTMWD conservation stages reach the yard clause through the city’s guidelines.
The §92.0135 disclosure applies in full; creek-side lots can be in mapped zones.

Frequently asked questions

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

Oncor or CoServ, depending on which utility serves the address; the city’s FAQ lists both numbers (City of McKinney).

How big is a hail deductible on a McKinney house?

If the policy states it as a percentage of the insured value, 2% on a $450,000 dwelling is $9,000. Read the declarations page or ask a licensed agent; this page cannot read your policy.

Who sets watering restrictions in McKinney?

The city publishes current watering guidelines that relay the North Texas Municipal Water District’s conservation stages (City of McKinney).

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.