Home Insurance in Bedias, Texas
The median home value in Bedias is $235,900, close to the Grimes County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Bedias was built around 1983. About 25% of homes were built before 1960, about 15 points above Grimes County's 10%.
In Bedias, the housing stock is 66% single-family homes and 33% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Bedias, about 63% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Bedias has an owner-occupancy rate of 81% and a vacancy rate of 26%; unoccupied homes typically need a different coverage form.
70% of homes in Bedias 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.
FEMA rates Grimes County's overall risk as Relatively Low, led by hurricane (Relatively Moderate). 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).
Key figures
| Median home value | $235,900 |
|---|---|
| Median year built | 1983 |
| Owner-occupied share | 81% |
| Share of owner-occupied homes with a mortgage | 63% |
| Top county hazard | Hurricane (Relatively Moderate) |
| Active NFIP policies in Grimes County | 237 |
| 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)