Home Insurance in Plum Grove, Texas
The median home value in Plum Grove is $200,800, 11% higher than the Liberty County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Plum Grove was built around 2010. About 0% of homes were built before 1960, about 7 points below Liberty County's 7%.
In Plum Grove, the housing stock is 68% single-family homes and 32% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Plum Grove, about 49% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Plum Grove has an owner-occupancy rate of 93% and a vacancy rate of 6%; unoccupied homes typically need a different coverage form.
Most homes in Plum Grove - 94% - are primarily heated with electricity.
Liberty County's top FEMA-rated hazard is tornado (Relatively High), per FEMA's National Risk Index. Liberty County had 1,901 active NFIP flood policies as of September 2026. See the full Liberty 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).
Key figures
| Median home value | $200,800 |
|---|---|
| Median year built | 2010 |
| Owner-occupied share | 93% |
| Share of owner-occupied homes with a mortgage | 49% |
| Top county hazard | Tornado (Relatively High) |
| Active NFIP policies in Liberty County | 1,901 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
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)