Home Insurance in Grayson County, Texas
With a median home value of $248,400, Grayson County is 12% lower than the Texas median.
The typical home in Grayson County was built around 1985. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 20% of homes were built before 1960, about 8 points above Texas's 12%.
The housing stock in Grayson County is 75% single-family homes, 11% apartments in buildings with 5+ units and 9% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Grayson County, about 52% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 67% of occupied homes in Grayson County are owner-occupied. The vacancy rate is 11%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Grayson County, 60% of homes are primarily heated with electricity.
FEMA's National Risk Index lists hail (Relatively Moderate), tornado (Relatively High) and wildfire (Relatively Low) as the leading hazards for Grayson County.
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Grayson County has 332 active NFIP flood policies on file.
In Texas, the statewide average premium for a standard HO-3 homeowners policy is $2,864 per year (NAIC, 2023 data).
This area lists 37 licensed insurance agencies.
Key figures
| Median home value | $248,400 |
|---|---|
| Median year built | 1985 |
| Owner-occupied share | 67% |
| Share of owner-occupied homes with a mortgage | 52% |
| Top hazards (FEMA National Risk Index) | Hail (Relatively Moderate), Tornado (Relatively High), Wildfire (Relatively Low) |
| Active NFIP flood policies (county) | 332 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Towns and cities
- Bells
- Collinsville
- Denison
- Dorchester
- Gunter
- Howe
- Pottsboro
- Sadler
- Sherman
- Southmayd
- Tom Bean
- Van Alstyne
- Whitesboro
- Whitewright
Smaller communities
-
Knollwood
- Median year built: 2007
- Owner-occupied share: 31%
- Share of owner-occupied homes with a mortgage: 46%
-
Tioga
- Median home value: $317,700
- Median year built: 2002
- Owner-occupied share: 66%
Licensed insurance agencies in Grayson County
- AMMERMAN INSURANCE AGENCY, LLC, Sherman (General Lines Agency)
- ASPECT INSURANCE SERVICES LLC, Sherman (General Lines Agency)
- ATIA ENTERPRISES, Sherman (General Lines Agency)
- BETH COLEMAN AGENCY LLC, Van Alstyne (General Lines Agency)
- BURRAGE INSURANCE GROUP LLC, Denison (General Lines Agency)
- CHARLES HOLDER INSURANCE AGENCY, INC., Denison (General Lines Agency)
- CMRP, INC., Sherman (General Lines Agency)
- COLBY BELL INSURANCE AGENCY INC., Van Alstyne (General Lines Agency)
- CORY HERNANDEZ INSURANCE AGENCY, INC., Sherman (General Lines Agency)
- CS&J LLC, Sherman (General Lines Agency)
- DAVID A MEANS INC, Denison (General Lines Agency)
- DAVID RODRIGUEZ INSURANCE AND FINANCIAL SERVICES, INC, Van Alstyne (General Lines Agency)
- FIND INSURANCE AGENCY PLLC, Denison (General Lines Agency)
- HEJNY ENTERPRISES LLC, Sherman (General Lines Agency)
- HEMPKINS INSURANCE AGENCY, LLC, Denison (General Lines Agency)
- HP INSURANCE SOLUTIONS LLC, Denison (General Lines Agency)
- INSURE YOU, LLC, Tioga (General Lines Agency)
- KIMBERLIN CONSULTING LLC, Sherman (General Lines Agency)
- LOVELACE & COMPANY INC, Pottsboro (General Lines Agency)
- MY FAMILY AGENCY LLC, Van Alstyne (General Lines Agency)
- ODEN INSURANCE AGENCY INC, Denison (General Lines Agency)
- PHILLIPS INSURANCE AGENCY INC., Denison (General Lines Agency)
- SCHOONOVER AGENCY LLC, Whitewright (General Lines Agency)
- SEGUROS CON BURGOS INSURANCE AGENCY LLC, Sherman (General Lines Agency)
- SILVA INSURANCE GROUP PLLC, Gunter (General Lines Agency)
- SMMBJ, INC, Whitesboro (General Lines Agency)
- THE BRAWLEY AGENCY LLC, Denison (General Lines Agency)
- THE JAMMI PALMER AGENCY, LLC., Sherman (General Lines Agency)
- THE LEVOIR AGENCY LLC, Gordonville (General Lines Agency)
- THE MROZINSKI FAMILY LLC, Gunter (General Lines Agency)
- THE SANTOS AGENCY, LLC, Sherman (General Lines Agency)
- THOROUGHBRED FINANCIAL & RISK ADVISORS, LLC, Bells (General Lines Agency)
- TJIA, LLC, Sherman (General Lines Agency)
- TURNER INSURANCE SOLUTIONS LLC, Sherman (General Lines Agency)
- W DAVID BAYLESS INC, Denison (General Lines Agency)
- WIA NORTH TEXAS, LLC DBA WOOD INSURANCE AGENCY, Whitesboro (General Lines Agency)
- ZEKE INSURANCE AGENCY LLC, Van Alstyne (General Lines Agency)
Data source: Texas Department of Insurance - licensed agencies, https://data.texas.gov/d/3yqc-fcdt
Sources
- 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)
- Texas Department of Insurance - licensed agencies (2026)