Home Insurance in Groves, Texas
The median home value in Groves is $163,600, close to the Jefferson County median.
The typical home in Groves was built around 1967. About 25% of homes were built before 1960, about 8 points above Jefferson County's 17%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Groves, the housing stock is 89% single-family homes and 7% apartments in buildings with 5+ units.
About 43% of owner-occupied homes in Groves have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 10%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 78% of occupied homes in Groves are owner-occupied.
60% of homes in Groves are primarily heated with natural gas.
Jefferson County's top FEMA-rated hazard is tornado (Relatively High), per FEMA's National Risk Index. Jefferson County had 20,058 active NFIP flood policies as of September 2026. See the full Jefferson 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).
5 licensed insurance agencies serve this area.
Key figures
| Median home value | $163,600 |
|---|---|
| Median year built | 1967 |
| Owner-occupied share | 78% |
| Share of owner-occupied homes with a mortgage | 43% |
| Top county hazard | Tornado (Relatively High) |
| Active NFIP policies in Jefferson County | 20,058 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Licensed insurance agencies in Groves
- BOBBY K MARTIN JR INC, Groves (General Lines Agency)
- BRANDON HAMMOCK INSURANCE SOLUTIONS LLC, Groves (General Lines Agency)
- LA INSURANCE AGENCY TX59 LLC, Groves (General Lines Agency)
- MULTISOL FINANCIAL SERVICES LLC, Groves (General Lines Agency)
- VILLA GROUP ASSETS INC., Groves (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)