Home Insurance in Groom, Texas
With a median home value of $93,900, Groom is 34% lower than the Carson County median.
The typical home in Groom was built around 1965. About 33% of homes were built before 1960, about 18 points below Carson County's 51%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Groom is 89% single-family homes and 11% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Groom, about 29% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Groom has an owner-occupancy rate of 85% and a vacancy rate of 9%; unoccupied homes typically need a different coverage form.
In Groom, 80% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Groom? FEMA's National Risk Index points to wildfire (Relatively Low) in Carson County and Carson County had 9 active NFIP flood policies as of September 2026. See the full Carson County home insurance overview for all FEMA hazard ratings and flood coverage details.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Texas carries a statewide average premium of $2,864 per year.
Key figures
| Median home value | $93,900 |
|---|---|
| Median year built | 1965 |
| Owner-occupied share | 85% |
| Share of owner-occupied homes with a mortgage | 29% |
| Top county hazard | Wildfire (Relatively Low) |
| Active NFIP policies in Carson County | 9 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Nearby towns
Sources
Data last updated: 2026-09-29
- U.S. Census Bureau Gazetteer Files (2024)
- U.S. Census Bureau, American Community Survey 2020-2024 5-Year Estimates (2024)
- FEMA National Risk Index (December 2025)
- FEMA OpenFEMA NFIP Redacted Policies v3 (2026)
- NAIC Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owners Insurance: Data for 2023 (published 2026) (2023)