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Home Insurance in Gladewater, TX
FEMA rates ice storms and hail as the leading natural hazards for Gregg County. Here is the storm, flood and wind record that shapes home insurance in Gladewater.
$4,752/yr
About $396/mo · ~$300k-$400k dwelling class
$3,051/yr
About $254/mo after modeled shopping discount
About 35.8% below local market estimate
What FEMA’s ratings say about Gladewater
FEMA’s county-level National Risk Index puts Gregg County in the relatively moderate band overall. Among individual perils, the top ratings go to ice storms (very high), hail (relatively high) and tornadoes (relatively high).
FEMA rates ice storm risk very high; check how your policy pays for tree removal after a storm.
With hail rated relatively high, the roof is the line item to watch: compare wind/hail deductibles and how each carrier settles roof claims.
Tornado risk is relatively high in Gregg County. Tornado damage is covered as windstorm under a homeowners policy, subject to the wind/hail deductible.
Strong wind is rated relatively high in Gregg County, which means straight-line wind claims to roofs and fences are common.
Recent severe weather in Gregg County
Hail turned up 36 times in Gregg County in NOAA’s database between 2016 and 2025. Quarter-size or larger stones, an inch and up, appear in 26 of them. The largest reported hail was 2.75 inches on February 11, 2024. Gregg County saw 7 tornadoes in NOAA’s 2016 to 2025 records, the strongest rated EF1 on March 29, 2017.
There were also 56 damaging-wind reports from thunderstorms, topping out around 105 mph. Add 41 flash flood events over those ten years.
Gregg County appears in 8 presidential major disaster declarations for weather and other natural hazards from 2000 onward. Recent ones: Hurricane Beryl (2024), Severe Winter Storms (2021) and Severe Storms, Tornadoes, and Flooding (2016).
Windstorm questions for Gladewater homes
Gregg County is outside TWIA’s designated catastrophe area, so wind and hail are normally covered by the homeowners policy itself, often with a separate percentage deductible.
Flood exposure and the NFIP in Gladewater
The city takes part in the National Flood Insurance Program, which makes federal flood policies available. Its flood map now in force took effect in September 2014. Only about 1 in 163 homes in Gregg County carries an NFIP policy (258 residential policies). Policyholders in the county have filed 60 NFIP claims since 2016. Flood needs its own policy, and buying one right before a storm will not help because of the usual 30-day wait.
Your flood zone is a quick search away on the FEMA Flood Map Service Center.
The homes behind the risk
1976 is the median year built for housing units in Gladewater. 20% of local homes are from 2000 or later, compared with 60% built before 1980. Owners in Gladewater put the median value of their homes at $174,000. Across Gregg County the median is $203,400. Your dwelling limit should be built from square footage, materials and local labor costs rather than what the house would sell for.
Local offices for Gladewater homeowners
County figures on this page refer to Gregg County, which holds the largest share of Gladewater; it also extends into Upshur County. Federal statistical definitions place Gregg County at the core of the Longview metro area. Longview is the closest larger city, roughly 11 miles away, with Gladewater to its west.
Insurers often check the appraisal district record, so confirm that what the Gregg district shows at www.gcad.org matches your home. You can also visit the office at 4367 W. Loop 281 Longview, TX 75604-5550. Watches and warnings for Gladewater are issued by NWS Shreveport, LA. Its assigned radar site for Gladewater is KSHV.
Gladewater hazard and coverage questions
Are frozen pipes covered in Gladewater?
Usually, as long as the damage is sudden and the house was heated. Winter weather is rated relatively moderate in Gregg County by FEMA, so know where your main shutoff valve is.
Are tornadoes covered on a Gladewater home policy?
Yes. Tornadoes fall under the windstorm peril, so the wind and hail deductible applies. Gregg County had 7 tornadoes in NOAA’s 2016 to 2025 records, which is a good reason to check your dwelling, other-structures and debris-removal limits.
Will my policy cover foundation problems from drought in Gladewater?
Usually not. FEMA rates drought risk in Gregg County as relatively moderate, and dry spells can shift foundations on clay soil, but standard policies exclude settling and earth movement. Foundation damage caused by a covered plumbing leak is a common exception.
Is Gladewater in the TWIA coverage area?
No. Gregg County is outside TWIA’s designated catastrophe area, so wind and hail are covered by the homeowners policy itself, usually with a separate wind and hail deductible.
Get a Gladewater home insurance quote
Texas Insurance Resources shops multiple carriers for you. Call 800-875-4711 or start online.
About the data
Figures were retrieved in October 2026 and are estimates with margins of error. Price estimates near the top are Texas Insurance Resources models for comparison, not quotes or published averages.
- Storm Events Database (NOAA), Gregg County
- TWIA coverage area
- NWS Shreveport, LA
- OpenFEMA NFIP data, Gregg County
- Comptroller 2024 regions
- National Risk Index (FEMA), Gregg County
- Disaster declarations (FEMA), Gregg County
- Benchmarks: Gregg County value, Gregg County build year
- NFIP Community Status Book
- Census metro delineation
- Census Gazetteer coordinates
- Comptroller county directory, Gregg County
- Census Bureau ACS five-year data, Gladewater city: year built, tenure, population, structure type, home value, median year built