Home Insurance in Gruver, Texas
The median home value in Gruver is $111,700, 10% lower than the Hansford County median.
The typical home in Gruver was built around 1970. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 24% of homes were built before 1960, about 3 points below Hansford County's 27%.
In Gruver, the housing stock is 92% single-family homes, 1% apartments in buildings with 5+ units and 7% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 28% of owner-occupied homes in Gruver have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Gruver has an owner-occupancy rate of 80% and a vacancy rate of 12%; unoccupied homes typically need a different coverage form.
In Gruver, 72% of homes are primarily heated with natural gas.
Hansford County's top FEMA-rated hazard is winter weather (Relatively Moderate), per FEMA's National Risk Index. Hansford County had 1 active NFIP flood policy as of September 2026. See the full Hansford County home insurance overview for all FEMA hazard ratings and flood coverage details.
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.
2 licensed insurance agencies serve this area.
Key figures
| Median home value | $111,700 |
|---|---|
| Median year built | 1970 |
| Owner-occupied share | 80% |
| Share of owner-occupied homes with a mortgage | 28% |
| Top county hazard | Winter Weather (Relatively Moderate) |
| Active NFIP policies in Hansford County | 1 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Licensed insurance agencies in Gruver
- BORT INSURANCE AGENCY, LLC, Gruver (General Lines Agency)
- JULIE WILLIAMS INSURANCE AGENCY, PLLC, Gruver (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)