Home Insurance in Groesbeck, Texas
With a median home value of $162,500, Groesbeck is close to the Limestone County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Groesbeck was built around 1979. About 21% of homes were built before 1960, about 3 points above Limestone County's 18%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Groesbeck is 76% single-family homes, 12% apartments in buildings with 5+ units and 7% mobile or manufactured homes.
About 36% of owner-occupied homes in Groesbeck have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Groesbeck has an owner-occupancy rate of 61% and a vacancy rate of 8%; unoccupied homes typically need a different coverage form.
In Groesbeck, 66% of homes are primarily heated with electricity.
Limestone County had 65 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is wildfire (Relatively Low). See the full Limestone 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 3 licensed insurance agencies.
Key figures
| Median home value | $162,500 |
|---|---|
| Median year built | 1979 |
| Owner-occupied share | 61% |
| Share of owner-occupied homes with a mortgage | 36% |
| Top county hazard | Wildfire (Relatively Low) |
| Active NFIP policies in Limestone County | 65 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Licensed insurance agencies in Groesbeck
- JACKSON'S CENTRAL TEXAS INSURANCE PLUS, INC., Groesbeck (General Lines Agency)
- RESOURCE PRO SERVICES LLC, Groesbeck (General Lines Agency)
- TONYA GLASS INSURANCE AGENCY, Groesbeck (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)