Home Insurance in Granger, Texas
With a median home value of $185,100, Granger is 59% lower than the Williamson County median.
The typical home in Granger was built around 1967. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 45% of homes were built before 1960, about 42 points above Williamson County's 2%.
The housing stock in Granger is 71% single-family homes, 3% apartments in buildings with 5+ units and 17% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 57% of owner-occupied homes in Granger have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 77% of occupied homes in Granger are owner-occupied. The vacancy rate is 15%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
55% of homes in Granger are primarily heated with natural gas.
FEMA rates Williamson County's overall risk as Relatively Moderate, led by hail (Relatively High). Williamson County had 2,018 active NFIP flood policies as of September 2026. See the full Williamson 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 | $185,100 |
|---|---|
| Median year built | 1967 |
| Owner-occupied share | 77% |
| Share of owner-occupied homes with a mortgage | 57% |
| Top county hazard | Hail (Relatively High) |
| Active NFIP policies in Williamson County | 2,018 |
| 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)