Home Insurance in Graham, Texas
With a median home value of $183,800, Graham is close to the Young County median.
The typical home in Graham was built around 1972. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 33% of homes were built before 1960, about 6 points above Young County's 27%.
The housing stock in Graham is 83% single-family homes, 5% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
About 58% of owner-occupied homes in Graham have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 6%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 67% of occupied homes in Graham are owner-occupied.
48% of homes in Graham are primarily heated with electricity.
FEMA rates Young County's overall risk as Very Low, led by wildfire (Relatively Moderate). Young County had 64 active NFIP flood policies as of September 2026. See the full Young 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).
7 licensed insurance agencies are listed for this area.
Key figures
| Median home value | $183,800 |
|---|---|
| Median year built | 1972 |
| Owner-occupied share | 67% |
| Share of owner-occupied homes with a mortgage | 58% |
| Top county hazard | Wildfire (Relatively Moderate) |
| Active NFIP policies in Young County | 64 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Licensed insurance agencies in Graham
- ANGIE FORD INSURANCE AGENCY, LLC, Graham (General Lines Agency)
- BACA INSURANCE AGENCY LLC., Graham (General Lines Agency)
- BRENDAN WEATHERMAN INSURANCE AGENCY, INC., Graham (General Lines Agency)
- BRYAN INSURANCE AGENCY, LTD., Graham (General Lines Agency)
- CLULEY INSURANCE AND FINANCIAL SERVICES, INC., Graham (General Lines Agency)
- HELM INSURANCE SERVICES LLC, Graham (General Lines Agency)
- TKD MANAGEMENT & PUBLIC RELATIONS, INC., Graham (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)