Home Insurance in Grapeland, Texas
With a median home value of $121,100, Grapeland is 27% lower than the Houston County median.
The typical home in Grapeland was built around 1975. About 33% of homes were built before 1960, about 15 points above Houston County's 18%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Grapeland, the housing stock is 70% single-family homes, 3% apartments in buildings with 5+ units and 21% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Grapeland, about 47% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Grapeland has an owner-occupancy rate of 52% and a vacancy rate of 19%; unoccupied homes typically need a different coverage form.
In Grapeland, 55% of homes are primarily heated with electricity.
FEMA rates Houston County's overall risk as Relatively Low, led by wildfire (Relatively Low). Houston County had 72 active NFIP flood policies as of September 2026. See the full Houston County home insurance overview for all FEMA hazard ratings and flood coverage details.
In Texas, the statewide average premium for a standard HO-3 homeowners policy is $2,864 per year (NAIC, 2023 data).
2 licensed insurance agencies are listed for this area.
Key figures
| Median home value | $121,100 |
|---|---|
| Median year built | 1975 |
| Owner-occupied share | 52% |
| Share of owner-occupied homes with a mortgage | 47% |
| Top county hazard | Wildfire (Relatively Low) |
| Active NFIP policies in Houston County | 72 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Licensed insurance agencies in Grapeland
- COUNTY INSURANCE AGENCY, LLC, Grapeland (General Lines Agency)
- FINANCIAL INSURANCE SERVICES INC, Grapeland (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)