Home Insurance in Hood County, Texas
With a median home value of $306,400, Hood County is 8% higher than the Texas median.
The typical home in Hood County was built around 1998. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 4% of homes were built before 1960, about 8 points below Texas's 12%.
In Hood County, the housing stock is 75% single-family homes, 6% apartments in buildings with 5+ units and 16% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 56% of owner-occupied homes in Hood County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 81% of occupied homes in Hood County are owner-occupied. The vacancy rate is 12%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Hood County, 86% 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.
FEMA's National Risk Index lists tornado (Relatively High), wildfire (Relatively Moderate) and hail (Relatively Moderate) as the leading hazards for Hood County.
Hood County had 479 active National Flood Insurance Program policies as of September 2026. 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 22 licensed insurance agencies.
Key figures
| Median home value | $306,400 |
|---|---|
| Median year built | 1998 |
| Owner-occupied share | 81% |
| Share of owner-occupied homes with a mortgage | 56% |
| Top hazards (FEMA National Risk Index) | Tornado (Relatively High), Wildfire (Relatively Moderate), Hail (Relatively Moderate) |
| Active NFIP flood policies (county) | 479 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Towns and cities
Licensed insurance agencies in Hood County
- ALAN HUMPHREY INSURANCE AGENCY LIMITED LIABILITY COMPANY, Granbury (General Lines Agency)
- ALLTEX GROUP LP, Granbury (General Lines Agency)
- BILL MARTENSEN INSURANCE AGENCY INC, Granbury (General Lines Agency)
- BLANKENSHIP AGENCY LLC, Lipan (General Lines Agency)
- CLASSIC DRIVERS INSURANCE AGENCY, LLC, Granbury (General Lines Agency)
- D SCHUFF INSURANCE AGENCY LLC, Tolar (General Lines Agency)
- HERITAGE INSURANCE SOLUTIONS LLC, Granbury (General Lines Agency)
- INSURNORTH CORP, Granbury (General Lines Agency)
- IRAAN INSURANCE AGENCY, Granbury (General Lines Agency)
- J & S INSURANCE GROUP, INC.,, Granbury (General Lines Agency)
- JUSTIN INSURANCE AGENCY L L P, Granbury (General Lines Agency)
- MAIN STREET INDEPENDENT INSURANCE AGENCIES, INC., Granbury (General Lines Agency)
- NEEDHAM SOLUTIONS GROUP LLC, Granbury (General Lines Agency)
- NORTHCUTT AGENCY LLC, Granbury (General Lines Agency)
- PATRIOT RETIREMENT GROUP LLC, Granbury (General Lines Agency)
- RICHARD ROUCLOUX INSURANCE AGENCY INC., Granbury (General Lines Agency)
- ROUSSEAU AGENCY, L.P., Tolar (General Lines Agency)
- SHERI STANLEY SEARS, LLC, Granbury (General Lines Agency)
- SIMCO INSURANCE AGENCY, LLC., Granbury (General Lines Agency)
- STEVE ERNST INSURANCE AGENCY INC, Granbury (General Lines Agency)
- TASSCHE CAPITAL PROJECTS LLC, Granbury (General Lines Agency)
- THE DOYLE AGENCY INC, Granbury (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)