Home Insurance in Giddings, Texas
Homes in Giddings carry a median value of $252,300 - 6% lower than the Lee County median.
The typical home in Giddings was built around 1984. About 25% of homes were built before 1960, about 10 points above Lee County's 15%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
The housing stock in Giddings is 79% single-family homes, 8% apartments in buildings with 5+ units and 10% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 50% of owner-occupied homes in Giddings have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 6%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 65% of occupied homes in Giddings are owner-occupied.
62% of homes in Giddings are primarily heated with electricity.
FEMA rates Lee County's overall risk as Very Low, led by hurricane (Relatively Low). Lee County had 33 active NFIP flood policies as of September 2026. See the full Lee 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).
This area lists 4 licensed insurance agencies.
Key figures
| Median home value | $252,300 |
|---|---|
| Median year built | 1984 |
| Owner-occupied share | 65% |
| Share of owner-occupied homes with a mortgage | 50% |
| Top county hazard | Hurricane (Relatively Low) |
| Active NFIP policies in Lee County | 33 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Licensed insurance agencies in Giddings
- GATE ELEVEN SOLUTIONS INC, Giddings (General Lines Agency)
- GTEX SPECIALTY, LLC, Giddings (General Lines Agency)
- TAMI HITT LLC, Giddings (General Lines Agency)
- THE NITSCHE GROUP, INC., Giddings (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)