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Home Insurance in Giddings, TX
See where Giddings stands against county and statewide figures before you compare home insurance quotes.
$3,151/yr
About $263/mo · ~$300k-$400k dwelling class
$2,010/yr
About $168/mo after modeled shopping discount
About 36.2% below local market estimate
Giddings, Lee County and Texas side by side
| Measure | Giddings | Lee County | Texas |
|---|---|---|---|
| Median home value | $252,300 | $267,800 | $283,800 |
| Median year built | 1984 | 1992 | 1992 |
| Owner-occupied homes | 65% | 78% | 63% |
| Single-family detached | 78% | 70% | 64% |
| Built before 1980 | 41% | 31% | 33% |
| Built 2000 or later | 25% | 36% | 39% |
| Manufactured homes | 10% | 22% | 6% |
The housing stock in Giddings is older than Lee County’s overall, by median build year (1984 versus 1992). Owner-occupancy is lower than the county figure (65% versus 78%). Manufactured homes are less common in Giddings (10% of units) than across Lee County (22%).
Census data shows a median home value of $252,300 in Giddings. That is close to the Lee County median of $267,800. Land value is part of a sale price but not of a rebuild, so the right Coverage A figure can be well above or below market value.
Weather risk in Lee County, rated
| Hazard | FEMA NRI rating | NOAA reports, 2016–2025 |
|---|---|---|
| Hail | Relatively Low | 27 hail reports |
| Tornadoes | Relatively Low | 2 tornadoes |
| Strong wind | Relatively Low | 11 thunderstorm wind reports |
| Inland flooding | Very Low | 4 flash floods |
| Hurricanes | Relatively Low | – |
| Wildfire | Very Low | – |
| Winter weather | Relatively Low | – |
| Drought | Relatively Moderate | – |
| Lightning | Relatively Low | – |
The National Risk Index from FEMA scores Lee County as very low for combined natural-hazard risk. The highest-rated individual hazards are drought (relatively moderate) and cold waves (relatively moderate).
FEMA has issued 11 natural-hazard major disaster declarations covering Lee County since 2000. The most recent include Hurricane Beryl (2024), Severe Storms, Straight-line Winds, Tornadoes, and Flooding (2024) and Severe Winter Storm (2023).
Turning the Giddings numbers into coverage choices
- There is no TWIA option in Lee County, so the homeowners carrier handles wind and hail, and its deductible for those perils can differ from the all-other-perils deductible.
- Because Giddings is an NFIP participating community, homeowners can buy National Flood Insurance Program coverage. The effective FEMA flood map for the community is from April 2014. Only about 1 in 237 homes in Lee County carries an NFIP policy (27 residential policies). Since 2016, 16 NFIP flood claims have come from Lee County. A homeowners policy will not pay for rising water; flood is a separate policy, and NFIP coverage typically takes 30 days to begin.
- Half of the housing in Giddings dates from 1984 or earlier, per Census estimates. 25% of local homes are from 2000 or later, compared with 41% built before 1980. For homes in this age range, carriers mostly focus on the roof: its age, material and any prior hail repairs.
Where to verify Giddings details
Square footage and build year on file with the Lee appraisal district (www.lee-cad.org) feed straight into replacement-cost estimates, so check them for errors. Its office is at 898 E. Richmond St., Suite 100 Giddings, TX 78942-4252. Severe weather warnings for Giddings come from the NWS Austin/San Antonio, TX office. Its assigned radar site for Giddings is KGRK.
The county for Giddings is Lee County. By federal definition Lee County is rural, outside every metro and micro area. Head about 50 miles from Giddings and you reach Austin, the nearest larger city.
Questions Giddings homeowners ask
How risky is Lee County for natural hazards?
Overall, FEMA scores Lee County as very low. The highest individual ratings are for drought (relatively moderate) and cold waves (relatively moderate). Use that list to decide where higher limits or a lower deductible are worth the premium.
How often has Lee County had federal disaster declarations?
Since 2000, FEMA has declared 11 natural-hazard major disasters that include Lee County. The most recent was Hurricane Beryl, declared in July 2024. Disaster aid rarely covers a full rebuild, which is why adequate limits matter.
Can I get TWIA windstorm coverage in Giddings?
No, Lee County is not in TWIA territory. Look instead at the wind and hail deductible on your homeowners quotes, since that is where storm costs land.
Do I need a local agent for a Giddings home?
No. Giddings is about 50 miles east of Austin, and carriers rate by address, not by where the agent sits. An independent agency can compare several carriers for your exact location by phone or online.
Ready to price your Giddings home?
Talk to a licensed Texas Insurance Resources agent at 800-875-4711, or get a quote online.
Data sources and notes
All public data on this page was pulled in October 2026. Census numbers are survey estimates. Premium figures in the estimate cards are illustrative models, not quotes.
- Comptroller county directory, Lee County
- FEMA NRI county ratings, Lee County
- Census CBSA delineation
- Gazetteer (Census)
- Comptroller economic regions
- FEMA disaster declarations, Lee County
- TWIA eligibility
- NFIP data (OpenFEMA), Lee County
- FEMA Community Status Book
- NWS Austin/San Antonio, TX
- NOAA NCEI storm reports, Lee County
- County and state comparisons: Lee County value, Lee County build year, Texas value
- American Community Survey 2020–2024, Giddings city: tenure, population, median year built, home value, structure type, year built