Home Insurance in Grimes County, Texas
Homes in Grimes County carry a median value of $237,400 - 16% lower than the Texas median.
The typical home in Grimes County was built around 1997. About 10% of homes were built before 1960, about 2 points below Texas's 12%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
The housing stock in Grimes County is 72% single-family homes, 3% apartments in buildings with 5+ units and 22% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 43% of owner-occupied homes in Grimes County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 80% of occupied homes in Grimes County are owner-occupied. The vacancy rate is 17%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Grimes County, 71% of homes are primarily heated with electricity. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Per FEMA's National Risk Index, Grimes County's top hazards are hurricane (Relatively Moderate), tornado (Relatively Moderate) and wildfire (Very Low).
As of September 2026, Grimes County has 237 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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.
This area lists 8 licensed insurance agencies.
Key figures
| Median home value | $237,400 |
|---|---|
| Median year built | 1997 |
| Owner-occupied share | 80% |
| Share of owner-occupied homes with a mortgage | 43% |
| Top hazards (FEMA National Risk Index) | Hurricane (Relatively Moderate), Tornado (Relatively Moderate), Wildfire (Very Low) |
| Active NFIP flood policies (county) | 237 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Towns and cities
Licensed insurance agencies in Grimes County
- CANDYCE FLEMING INSURANCE LLC, Anderson (General Lines Agency)
- D C STABLES INC, Navasota (General Lines Agency)
- GINA BUEHRING, LLC, Navasota (General Lines Agency)
- LOGAN THOMAS INSURANCE AGENCY, L.L.C., Anderson (General Lines Agency)
- NEIL MARTENSEN INSURANCE AGENCY INC, Navasota (General Lines Agency)
- STUDHALTER INSURANCE AGENCY, LLC, Navasota (General Lines Agency)
- TEJAS INSURANCE SERVICES LLC, Navasota (General Lines Agency)
- THE MILLER AGENCY INC, Navasota (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)