The Verdict · Plano, TX
$1,612–$3,632
real monthly · incl. fees + insurance
1★
1 Google reviews
Average crime
worth watching
A mixed-reviewed community where the real cost runs ~$12 over sticker, and there's no standout hazard to plan around.
Looking for renters insurance?
About $12/mo here — the one thing worth sorting before you sign.
What Residents Say
The honest version — the good and the bad, straight from recent Google reviews of Novum Plano Apartments.
“Call a dozen times plus emails .trying to reach someone for two weeks to set up to come in and look to see if it would work for my parents. I got one email to do exactly what I did to get the first response and nothing sense. Poorly ran.”
8150 Preston Rd, Plano, TX 75024
Plano
What Novum Plano Apartments Really Costs
The sticker rent isn't the whole number. Here's what Novum Plano Apartments actually costs each month once required fees, pet rent, and insurance are in — the number the listing sites leave off.
Renters insurance adds ~$12/mo to that total — compare quotes →
Fees Beyond Rent
The additional charges beyond base rent at Novum Plano Apartments. Some are monthly, some one-time — all of them shape your real cost of living here.
Required Fees
Application Fee Per Applicant
Charged per applicant.
Safety & Property Crime
For a renter, property crime is what you actually feel day to day — a car broken into overnight, a package lifted off the step, a bike gone from storage, or how the walk from the lot feels after dark. Here's how Plano looks on the theft-related crimes that touch renters most.
These are city-level figures from the FBI's Uniform Crime Reporting program — not block-by-block. Your specific street may run calmer or rougher than the citywide rate.
Plano property crime
1,241
per 100K residents
U.S. avg 1,578 / 100K
Breakdown per 100K residents
U.S. average
The practical takeaways here are the unglamorous ones: park in lit areas, use a parcel locker if the community offers one, and don't leave anything visible in the car. Novum Plano Apartments's on-site security (Property manager on site, Covered parking) helps on the margin.
Source · FBI UCR · Plano · 2024-12 to 2025-11
On-Site Security
Natural Hazards to Plan For
The seismic picture at Novum Plano Apartments is moderate — damaging earthquakes are uncommon but not unheard of, and standard renters insurance excludes earthquake damage regardless of likelihood. Flood risk is low at this address. The decision worth weighing is whether to add an inexpensive earthquake endorsement or skip it; the rationale for each is below.
Flood damage
FEMA's flood-zone classification for this address is low-risk, which means the federal government doesn't expect significant flooding here under typical conditions. A standard renters policy still excludes flood damage, but a separate flood policy is hard to justify economically when the underlying risk is low. The zone label is below for the record.
Source · FEMA NFHL
FEMA Zone X (minimal flood hazard) — Minimal flood risk
Flood insurance optional but inexpensive in this zone.
Zones can change — verify at FEMA Flood Map Service
Earthquake shaking
Damaging earthquakes happen here, but not often — USGS rates the area as moderate seismic hazard. A renters earthquake endorsement is inexpensive (typically under $100 a year) and worth weighing against the value of what's actually in your unit. The math leans toward 'add it' if you have high-value electronics, instruments, or art; 'skip it' for sparse furnishings.
Source · USGS NSHM
Moderate seismic hazard · ground motion 0.05g
Endorsements priced for renters typically run under $100 a year and only cover personal property. Whether it pays back depends on the value of what's in your unit.
Ground motion at ~2% probability over 50 years — the building-code reference level
Severe weather you'd actually claim for
NOAA's severe-weather record for Collin County is on the calmer end of the national distribution — modest activity across most categories. Whatever does happen, your renters policy already covers it (wind, hail, lightning damage to your possessions). The five-year averages are below.
Source · NOAA Storm Events · 5-yr averages for Collin County
This is the kind of address where the earthquake endorsement is a personal-preference call, not a clear-cut decision. Renters with valuable possessions usually add it; renters with mostly furniture and a laptop usually skip it.
Renters Insurance at Novum Plano Apartments
What Affects Your Premium Here
Every building is different. These factors specific to Novum Plano Apartments can push your insurance cost up or down:
Open Access
No gated or controlled access — higher theft exposure
FEMA Flood Zone
Zone X — minimal flood risk
FBI UCR
Property crime rate: 1241/100K (21% below national average)
What You'll Likely Pay
$12
Est. monthly
$147
Est. annual
$14
State avg/mo
How Much Coverage Makes Sense
Renters insurance has two main pieces: personal property coverage, which pays to replace your belongings if they're stolen or damaged (furniture, electronics, clothes), and liability coverage, which protects you if someone gets hurt in your unit or you damage someone else's property. Here's what we'd recommend for Novum Plano Apartments based on the rent level and building.
Personal Property
What your stuff is worth
If you own less
$20,000
If you own more
$50,000
Liability
Covers accidental harm & lawsuits
Pool on premises — higher liability recommended for accidents at shared amenities
How Carriers Compare for This Area
Not all carriers price the same zip code equally. Here's how the major options stack up near Novum Plano Apartments:
| Carrier | Monthly | Annual |
|---|---|---|
| Lemonade | $8/mo | $96/yr |
| USAA | $9/mo | $108/yr |
| State Farm | $12/mo | $144/yr |
| Progressive | $13/mo | $156/yr |
| Safeco | $13/mo | $156/yr |
| Travelers | $14/mo | $168/yr |
| Allstate | $15/mo | $180/yr |
| Nationwide | $15/mo | $180/yr |
| Farmers | $16/mo | $192/yr |
| Liberty Mutual | $18/mo | $216/yr |
Discounts You May Qualify For
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About Novum Plano Apartments
From the property listing:
Discover an inspired take on active adult living at Novum Plano, a brand-new 55+ community in the heart of Plano, TX. Thoughtfully designed for the discerning resident, Novum blends timeless elegance with modern convenience in an unbeatable location.
Frequently Asked Questions
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Disclaimer
The information on this page — including rent prices, fees, floor plans, amenities, insurance requirements, and safety data — is collected from publicly available sources and may not reflect the most current details. Apartment communities may update their offerings, policies, and pricing at any time. Always confirm details directly with the leasing office or the community's official website before making any decisions.
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