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Home Insurance in Granbury, TX
Granbury homeowners insure against tornadoes and hail first, according to FEMA’s county ratings. This page lays out the local hazard data and what it means for coverage.
$5,075/yr
About $423/mo · ~$300k-$400k dwelling class
$2,817/yr
About $235/mo after modeled shopping discount
About 44.5% below local market estimate
Granbury hazard snapshot
Hood County lands in the relatively low category of FEMA’s National Risk Index. Hazard by hazard, the strongest scores are for tornadoes (relatively high), hail (relatively moderate) and wildfire (relatively moderate).
FEMA rates tornado risk relatively high here; adequate dwelling and other-structures limits matter more than any special endorsement.
With hail rated relatively moderate, the roof is the line item to watch: compare wind/hail deductibles and how each carrier settles roof claims.
Wildfire risk is relatively moderate here, so keep brush trimmed back and ask whether your carrier credits fire-resistant roofing.
With lightning rated relatively moderate, a whole-home surge protector is cheap insurance against electrical claims.
Ten years of storm reports in Hood County
Hail turned up 64 times in Hood County in NOAA’s database between 2016 and 2025. In 55 cases the hail was an inch across or bigger. The largest reported hail was 4.5 inches on May 9, 2024. Between 2016 and 2025, 4 tornadoes touched down in Hood County; the most intense was an EF2 on April 19, 2025.
There were also 32 damaging-wind reports from thunderstorms, topping out around 90 mph. The same records include 9 flash flood events.
Hood County appears in 7 presidential major disaster declarations for weather and other natural hazards from 2000 onward. Recent ones: Severe Winter Storms (2021), Severe Storms and Flooding (2016) and Severe Storms, Tornadoes, and Flooding (2016).
Windstorm questions for Granbury homes
Since Hood County is not a TWIA county, look at how your homeowners policy handles wind and hail, including whether that deductible is a flat amount or a percentage of the dwelling limit.
Flood insurance in Granbury
Granbury participates in the National Flood Insurance Program, so NFIP policies are available to residents. The effective FEMA flood map for the community is from April 2019. Across Hood County, 458 residential NFIP policies were in force, roughly 1 for every 60 homes. Since 2016, 65 NFIP flood claims have come from Hood County. Standard homeowners policies exclude flood, and a new NFIP policy generally has a 30-day waiting period.
Look up your address on the FEMA Flood Map Service Center to see your flood zone.
How Granbury homes are built and valued
According to the Census Bureau, the typical home in Granbury went up around 2003. Roughly 26% of the housing stock predates 1980 and 57% is from 2000 onward. Homeowners in Granbury report a median value of $315,800. That is close to the Hood County median of $306,400. A home’s market value is a starting point only; the dwelling limit should reflect labor and materials to rebuild it at today’s prices.
Local offices for Granbury homeowners
For county-level data, Granbury falls under Hood County. Hood County is counted in the Granbury micro area, a smaller regional hub. Burleson is the closest larger city, roughly 27 miles away, with Granbury to its west.
Insurers often check the appraisal district record, so confirm that what the Hood district shows at www.hoodcad.net matches your home. Its office is at 1902 W. Pearl St. Granbury, TX 76048-1873. The NWS Fort Worth/Dallas, TX office handles forecasts and storm warnings for Granbury. The radar the weather service assigns to this point is KFWS.
Granbury hazard and coverage questions
Are tornadoes covered on a Granbury home policy?
Yes. Tornadoes fall under the windstorm peril, so the wind and hail deductible applies. Hood County had 4 tornadoes in NOAA’s 2016 to 2025 records, which is a good reason to check your dwelling, other-structures and debris-removal limits.
How common are hailstorms in Hood County?
NOAA’s Storm Events Database lists 64 hail reports in Hood County from 2016 through 2025, 55 of them with stones an inch or larger. FEMA’s National Risk Index rates the county’s hail risk relatively moderate. Impact-resistant roofing and a deductible you can afford are the two levers worth discussing with an agent.
Is homeowners coverage mandatory for Granbury homeowners?
No Texas law requires it, but mortgage lenders almost always do, and they can buy costly force-placed coverage if your policy lapses.
Does TWIA cover homes in Granbury?
No. TWIA only writes in the 14 first-tier coastal counties and part of Harris County, and Hood County is not among them. Your homeowners carrier covers wind and hail.
Compare Granbury home insurance quotes
Texas Insurance Resources shops multiple carriers for you. Call 800-875-4711 or start online.
Sources and methodology
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.
- FEMA declared disasters, Hood County
- OMB metro and micro areas
- Census Gazetteer files
- Comptroller county directory, Hood County
- Comparison figures: Hood County value, Hood County build year
- Texas Comptroller regions
- NOAA NCEI storm reports, Hood County
- NWS Fort Worth/Dallas, TX
- Texas Windstorm Insurance Association
- OpenFEMA NFIP data, Hood County
- Community Status Book (NFIP)
- FEMA National Risk Index, Hood County
- American Community Survey 2020–2024, Granbury city: median year built, structure type, year built, home value, population, tenure