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Home Insurance in Graham, TX
Side-by-side numbers for Graham, Young County and the state, covering housing, hazards and flood insurance.
$4,803/yr
About $400/mo · ~$300k-$400k dwelling class
$2,670/yr
About $222/mo after modeled shopping discount
About 44.4% below local market estimate
Graham compared with Young County and Texas
| Measure | Graham | Young County | Texas |
|---|---|---|---|
| Median home value | $183,800 | $175,800 | $283,800 |
| Median year built | 1972 | 1976 | 1992 |
| Owner-occupied homes | 67% | 74% | 63% |
| Single-family detached | 83% | 81% | 64% |
| Built before 1980 | 66% | 57% | 33% |
| Built 2000 or later | 11% | 17% | 39% |
| Manufactured homes | 2% | 7% | 6% |
Home ages in Graham are close to the Young County pattern (median year built 1972 versus 1976). Manufactured homes are less common in Graham (2% of units) than across Young County (7%).
The median owner-estimated home value in Graham is $183,800. It tracks the county median of $175,800 fairly closely. Market value includes land and location, so it is not the same as the cost to rebuild; insure the dwelling to a replacement-cost estimate instead.
Weather risk in Young County, rated
| Hazard | FEMA NRI rating | NOAA reports, 2016–2025 |
|---|---|---|
| Hail | Relatively Moderate | 36 hail reports |
| Tornadoes | Relatively Low | 2 tornadoes |
| Strong wind | Relatively Moderate | 17 thunderstorm wind reports |
| Inland flooding | Very Low | 6 flash floods |
| Hurricanes | Very Low | – |
| Wildfire | Relatively Moderate | – |
| Winter weather | Relatively Low | – |
| Drought | Relatively High | – |
| Lightning | Very Low | – |
In FEMA’s National Risk Index, Young County carries an overall rating of very low. The individual hazards that stand out are drought (relatively high), hail (relatively moderate) and wildfire (relatively moderate).
FEMA has issued 5 natural-hazard major disaster declarations covering Young County since 2000. The most recent include Severe Winter Storms (2021), Severe Storms, Tornadoes, Straight-line Winds and Flooding (2015) and Wildfires (2011).
What the comparison means for your policy
- Wind coverage in Young County stays inside the homeowners policy because the county is outside TWIA’s coastal territory; compare the wind/hail deductible on every quote.
- FEMA lists Graham as a participating NFIP community. Its current effective flood map dates to July 2011. Across Young County, 56 residential NFIP policies were in force, roughly 1 for every 144 homes. Standard homeowners policies exclude flood, and a new NFIP policy generally has a 30-day waiting period.
- Census estimates put the median construction year for homes in Graham at 1972. Pre-1980 houses are about 66% of the stock, and post-2000 houses about 11%. For older houses, rebuilding to current code can cost more than the original structure, which is why ordinance or law coverage is worth pricing.
Local offices and records
The Young County appraisal district (www.co.young.tx.us) publishes the square footage, year built and improvements insurers use to estimate rebuild cost. You can also visit the office at 505 5th St. Graham, TX 76450-2506. The NWS Fort Worth/Dallas, TX office handles forecasts and storm warnings for Graham. Radar coverage comes from the KDYX site.
Graham belongs to Young County. Young County is not part of a metropolitan or micropolitan area in the federal delineation. Graham lies south of Wichita Falls, around 56 miles away in a straight line.
Graham coverage questions
What does FEMA’s risk index say about Young County?
Overall, FEMA scores Young County as very low. The top-rated hazards are drought (relatively high), hail (relatively moderate) and wildfire (relatively moderate). Those are the perils to ask about when you compare deductibles and endorsements.
Does TWIA cover homes in Graham?
No, Young 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.
What does the Graham savings estimate on this page mean?
Our illustrative TX Insurance Resources estimate for Graham reflects a modeled 44.4% improvement versus the local market anchor. It is an estimate for comparison only; real results vary by home, coverage and carrier.
How often has Young County had federal disaster declarations?
Since 2000, FEMA has declared 5 natural-hazard major disasters that include Young County. The most recent was Severe Winter Storms, declared in February 2021. FEMA assistance is capped and is not a substitute for insurance.
Ready to price your Graham home?
Compare carriers with Texas Insurance Resources. Call 800-875-4711 or request a quote online.
Where the Graham numbers come from
All public data on this page was pulled in October 2026. Census numbers are survey estimates. Price estimates near the top are Texas Insurance Resources models for comparison, not quotes or published averages.
- OpenFEMA NFIP data, Young County
- NWS Fort Worth/Dallas, TX
- Benchmarks: Young County value, Young County build year, Texas value
- TWIA eligibility
- National Risk Index (FEMA), Young County
- NOAA NCEI storm reports, Young County
- Census CBSA delineation
- Gazetteer (Census)
- Comptroller economic regions
- Census Bureau ACS five-year data, Graham city: structure type, median year built, home value, tenure, population, year built
- Disaster declarations (FEMA), Young County
- NFIP Community Status Book
- Texas property tax directory, Young County