HomeInsuranceQts

Home Insurance in Grapevine, Texas

Homes in Grapevine carry a median value of $493,100 - 52% higher than the Tarrant County median.

The typical home in Grapevine was built around 1993. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 3% of homes were built before 1960, about 10 points below Tarrant County's 13%.

The housing stock in Grapevine is 56% single-family homes, 37% apartments in buildings with 5+ units and 2% mobile or manufactured homes.

In Grapevine, about 66% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.

Grapevine has an owner-occupancy rate of 53% and a vacancy rate of 6%; unoccupied homes typically need a different coverage form.

63% of homes in Grapevine are primarily heated with electricity.

What's the biggest home insurance risk near Grapevine? FEMA's National Risk Index points to hail (Very High) in Tarrant County and Tarrant County had 5,647 active NFIP flood policies as of September 2026. See the full Tarrant 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).

This area lists 24 licensed insurance agencies.

Key figures

Median home value$493,100
Median year built1993
Owner-occupied share53%
Share of owner-occupied homes with a mortgage66%
Top county hazardHail (Very High)
Active NFIP policies in Tarrant County5,647
Home insurance premium$2,864 - statewide average (NAIC, 2023 data)
Key home insurance figures for Grapevine, TX

Licensed insurance agencies in Grapevine

Data source: Texas Department of Insurance - licensed agencies, https://data.texas.gov/d/3yqc-fcdt

Nearby towns

Sources

Data last updated: 2026-09-29