Plano rental hail, freeze and drought plan for landlords

Plano’s weather plan has three chapters and none of them is a hurricane. Spring hail is the insured loss; winter freezes are the plumbing loss; and water conservation stages, set upstream by the North Texas Municipal Water District and relayed by the city, are the operational constraint most landlords forget to write into the lease. The one mandatory document is the Property Code §92.0135 flood disclosure, signed at or before signing. No Plano 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 for the address and from records, using the TREC form wording, and keep a dated screenshot. Plano’s creeks and greenbelts put some lots in mapped flood zones while the neighbouring street is clear; the map, not the neighbourhood, answers the question.

Hail: what a Collin County roof costs

Plano’s housing stock is expensive — the Census puts the median owner-occupied home at $465,900 — and hail deductibles are often written as a percentage of the insured value, so a 2% deductible on a $450,000 dwelling is $9,000 before the insurer pays a cent. Read the declarations page for that 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. 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 sprinkler backflow is the weak point

Plano yards are irrigated, and the irrigation backflow assembly on the side of the house is the pipe most likely to split in a hard freeze. Insulate it, along with hose bibs and any exposed line, before the first forecast freeze; test the heating at the same time; and show the tenant the water shutoff and the breaker panel at move-in. Water from a burst is metered and billed to the City of Plano utility account named in the lease (Customer & Utility Services), so say whose name is on it. A grid outage is reported to Oncor, which owns the wires, not to the retail provider on the bill.

Drought stages: the clause most leases miss

Plano’s water comes from the North Texas Municipal Water District, an entity outside the city government, and the city publishes watering guidelines and conservation information on its Plano Water Resources page. A lease that promises a green lawn and fixed watering days can be overtaken by a stage change. The durable clause says the tenant waters on the days and in the manner permitted under the city’s current guidelines, and that the landlord is not responsible for landscaping loss caused by lawful restrictions.

The sheet by the door and the after-event file

Oncor outage reporting; City of Plano Customer & Utility Services 972-941-7000; 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.

PLANO 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)	Deductible and loss-of-rents noted; roof photographed each spring
Power interruption	Oncor	Outage number on the sheet; §92.008 respected
Freeze damage	City of Plano utility	Account holder named; shutoff location on the sheet
Water conservation stages	Plano Water Resources · NTMWD	Yard clause tied to current guidelines, not fixed days

What changes in Plano

Water conservation stages come from NTMWD, an entity outside the city, and can change what a lease promised about the yard.
Hail is the dominant insured loss; the deductible structure matters more than the flood zone for most units.
Outage calls go to Oncor whatever the retail provider on the bill.
The §92.0135 disclosure applies in full; creek-side lots can be in mapped zones while neighbours are not.

Frequently asked questions

Do I need a flood disclosure for a Plano 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 sets watering restrictions in Plano?

The North Texas Municipal Water District supplies Plano’s water and sets conservation stages; the city relays its watering guidelines on the Plano Water Resources page (City of Plano).

Who does a Plano tenant call in a power outage?

Oncor Electric Delivery, which maintains the lines for every retail provider (Oncor).

What should I ask my insurer before hail season in Plano?

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.

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.