Home Insurance in Granbury, Texas
With a median home value of $315,800, Granbury is close to the Hood County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Granbury was built around 2003. About 10% of homes were built before 1960, about 5 points above Hood County's 4%.
The housing stock in Granbury is 62% single-family homes, 27% apartments in buildings with 5+ units and 5% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Granbury, about 66% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Granbury has an owner-occupancy rate of 60% and a vacancy rate of 14%; unoccupied homes typically need a different coverage form.
Most homes in Granbury - 78% - are primarily heated with electricity.
Hood County's top FEMA-rated hazard is tornado (Relatively High), per FEMA's National Risk Index. Hood County had 479 active NFIP flood policies as of September 2026. See the full Hood 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).
19 licensed insurance agencies serve this area.
Key figures
| Median home value | $315,800 |
|---|---|
| Median year built | 2003 |
| Owner-occupied share | 60% |
| Share of owner-occupied homes with a mortgage | 66% |
| Top county hazard | Tornado (Relatively High) |
| Active NFIP policies in Hood County | 479 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Licensed insurance agencies in Granbury
- 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)
- CLASSIC DRIVERS INSURANCE AGENCY, LLC, Granbury (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)
- 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
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)