Home Insurance in Blooming Grove, Texas
Homes in Blooming Grove carry a median value of $124,200 - 28% lower than the Navarro County median.
The typical home in Blooming Grove was built around 1964. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 41% of homes were built before 1960, about 21 points above Navarro County's 20%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Blooming Grove is 90% single-family homes and 8% mobile or manufactured homes.
In Blooming Grove, about 54% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Blooming Grove has an owner-occupancy rate of 57% and a vacancy rate of 20%; unoccupied homes typically need a different coverage form.
Most homes in Blooming Grove - 58% - are primarily heated with electricity.
What's the biggest home insurance risk near Blooming Grove? FEMA's National Risk Index points to tornado (Relatively High) in Navarro County and Navarro County had 161 active NFIP flood policies as of September 2026. See the full Navarro 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).
Key figures
| Median home value | $124,200 |
|---|---|
| Median year built | 1964 |
| Owner-occupied share | 57% |
| Share of owner-occupied homes with a mortgage | 54% |
| Top county hazard | Tornado (Relatively High) |
| Active NFIP policies in Navarro County | 161 |
| 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)