Home Insurance in Grandview, Texas
Homes in Grandview carry a median value of $225,600 - 21% lower than the Johnson County median.
The typical home in Grandview was built around 1979. About 26% of homes were built before 1960, about 19 points above Johnson County's 7%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Grandview is 72% single-family homes, 11% apartments in buildings with 5+ units and 8% mobile or manufactured homes.
About 57% of owner-occupied homes in Grandview have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 62% of occupied homes in Grandview are owner-occupied. The vacancy rate is 5%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
70% of homes in Grandview are primarily heated with electricity.
Johnson County's top FEMA-rated hazard is tornado (Relatively High), per FEMA's National Risk Index. Johnson County had 566 active NFIP flood policies as of September 2026. See the full Johnson 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).
3 licensed insurance agencies are listed for this area.
Key figures
| Median home value | $225,600 |
|---|---|
| Median year built | 1979 |
| Owner-occupied share | 62% |
| Share of owner-occupied homes with a mortgage | 57% |
| Top county hazard | Tornado (Relatively High) |
| Active NFIP policies in Johnson County | 566 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Licensed insurance agencies in Grandview
- CHAD PETERS INSURANCE AGENCY, LLC, Grandview (General Lines Agency)
- CHISHOLM INSURANCE FIRM LLC, Grandview (General Lines Agency)
- STRATTON, WRIGHT & ZIEMER INSURANCE AND RISK MANAGEMENT, INC., Grandview (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)