Home Insurance in Navasota, Texas
With a median home value of $208,100, Navasota is 12% lower than the Grimes County median.
The typical home in Navasota was built around 1985. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 21% of homes were built before 1960, about 10 points above Grimes County's 10%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Navasota is 68% single-family homes, 12% apartments in buildings with 5+ units and 9% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
In Navasota, about 48% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 8%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 60% of occupied homes in Navasota are owner-occupied.
In Navasota, 66% of homes are primarily heated with electricity.
What's the biggest home insurance risk near Navasota? 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).
6 licensed insurance agencies are listed for this area.
Key figures
| Median home value | $208,100 |
|---|---|
| Median year built | 1985 |
| Owner-occupied share | 60% |
| Share of owner-occupied homes with a mortgage | 48% |
| 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 Navasota
- D C STABLES INC, Navasota (General Lines Agency)
- GINA BUEHRING, LLC, Navasota (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
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)