Home Insurance in Anderson, Texas
Homes in Anderson carry a median value of $216,200 - 9% lower than the Grimes County median.
The typical home in Anderson was built around 2003. About 25% of homes were built before 1960, about 15 points above Grimes County's 10%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Anderson, the housing stock is 73% single-family homes and 20% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 27% of owner-occupied homes in Anderson have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 84% of occupied homes in Anderson are owner-occupied. The vacancy rate is 50%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Anderson - 98% - are primarily heated with electricity.
What's the biggest home insurance risk near Anderson? FEMA's National Risk Index points to hurricane (Relatively Moderate) in Grimes County and Grimes County had 237 active NFIP flood policies as of September 2026. See the full Grimes County home insurance overview for all FEMA hazard ratings and flood coverage details.
The statewide average premium for a standard HO-3 homeowners policy in Texas is $2,864 per year, according to the NAIC homeowners insurance report (2023 data).
2 licensed insurance agencies serve this area.
Key figures
| Median home value | $216,200 |
|---|---|
| Median year built | 2003 |
| Owner-occupied share | 84% |
| Share of owner-occupied homes with a mortgage | 27% |
| Top county hazard | Hurricane (Relatively Moderate) |
| Active NFIP policies in Grimes County | 237 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Licensed insurance agencies in Anderson
- CANDYCE FLEMING INSURANCE LLC, Anderson (General Lines Agency)
- LOGAN THOMAS INSURANCE AGENCY, L.L.C., Anderson (General Lines Agency)
Data source: Texas Department of Insurance - licensed agencies, https://data.texas.gov/d/3yqc-fcdt
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)
- Texas Department of Insurance - licensed agencies (2026)