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Home Insurance in Granite Shoals, TX
Side-by-side numbers for Granite Shoals, Burnet County and the state, covering housing, hazards and flood insurance.
$3,081/yr
About $257/mo · ~$300k-$400k dwelling class
$1,944/yr
About $162/mo after modeled shopping discount
About 36.9% below local market estimate
Granite Shoals, Burnet County and Texas side by side
| Measure | Granite Shoals | Burnet County | Texas |
|---|---|---|---|
| Median home value | $259,800 | $344,000 | $283,800 |
| Median year built | 1988 | 1997 | 1992 |
| Owner-occupied homes | 79% | 76% | 63% |
| Single-family detached | 67% | 71% | 64% |
| Built before 1980 | 35% | 28% | 33% |
| Built 2000 or later | 33% | 45% | 39% |
| Manufactured homes | 25% | 18% | 6% |
Granite Shoals’s homes skew older than the county as a whole: median year built 1988, compared with 1997 across Burnet County. Manufactured homes are more common in Granite Shoals (25% of units) than across Burnet County (18%).
Owners in Granite Shoals put the median value of their homes at $259,800. The county-wide figure is higher, at $344,000. Your dwelling limit should be built from square footage, materials and local labor costs rather than what the house would sell for.
Weather risk in Burnet County, rated
| Hazard | FEMA NRI rating | NOAA reports, 2016–2025 |
|---|---|---|
| Hail | Relatively Moderate | 107 hail reports |
| Tornadoes | Relatively Moderate | 4 tornadoes |
| Strong wind | Relatively Moderate | 29 thunderstorm wind reports |
| Inland flooding | Relatively Moderate | 21 flash floods |
| Hurricanes | Relatively Low | – |
| Wildfire | Relatively Low | – |
| Winter weather | Relatively Moderate | – |
| Drought | Relatively Moderate | – |
| Lightning | Relatively Moderate | – |
Taking all natural hazards together, FEMA rates Burnet County relatively low. The individual hazards that stand out are hail (relatively moderate), tornadoes (relatively moderate) and inland flooding (relatively moderate).
FEMA has issued 9 natural-hazard major disaster declarations covering Burnet County since 2000. Among the most recent are Severe Storms, Straight-line Winds, and Flooding (2025), Severe Winter Storm (2023) and Severe Winter Storms (2021).
What the comparison means for your policy
- TWIA does not write in Burnet County; wind and hail claims go through your regular homeowners policy, which may carry its own wind/hail deductible.
- Granite Shoals participates in the National Flood Insurance Program, so NFIP policies are available to residents. Its flood map now in force took effect in November 2019. Only about 1 in 20 homes in Burnet County carries an NFIP policy (1,202 residential policies). Policyholders in the county have filed 367 NFIP claims since 2016. Standard homeowners policies exclude flood, and a new NFIP policy generally has a 30-day waiting period.
- Line up every home in Granite Shoals by age and the one in the middle was built in 1988. The split is roughly 35% pre-1980 construction versus 33% built from 2000 on. Original water heaters and supply lines in homes of this age are a frequent source of water claims, so replacing them can make a home easier to insure.
Contacts for Granite Shoals homeowners
Square footage and build year on file with the Burnet appraisal district (www.burnet-cad.org) feed straight into replacement-cost estimates, so check them for errors. Its office is at 223 S. Pierce St. Burnet, TX 78611-3112. Granite Shoals is covered by the NWS Austin/San Antonio, TX forecast office, which issues local watches and warnings. Radar coverage comes from the KGRK site.
Granite Shoals sits within Burnet County. Burnet County is outside any federally defined metro or micro area. The nearest bigger city is Cedar Park, about 33 miles from Granite Shoals as the crow flies.
Granite Shoals coverage questions
Which weather risks matter for insuring a home in Granite Shoals?
FEMA’s National Risk Index rates overall risk in Burnet County as relatively low. The highest individual ratings are for hail (relatively moderate), tornadoes (relatively moderate) and inland flooding (relatively moderate). Flood is the one that needs its own policy; the others are generally covered perils with deductibles.
Has Granite Shoals been part of a FEMA disaster declaration?
Since 2000, FEMA has declared 9 natural-hazard major disasters that include Burnet County. The most recent was Severe Storms, Straight-line Winds, and Flooding, declared in July 2025. Federal aid for homeowners is limited and often comes as SBA disaster loans, so insurance remains the main way to recover.
Is homeowners coverage mandatory for Granite Shoals homeowners?
There is no state requirement. Mortgage contracts, HOA rules and some condo bylaws are what usually make coverage mandatory.
Is Granite Shoals in the TWIA coverage area?
No. Burnet 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.
Request a Granite Shoals homeowners quote
Talk to a licensed Texas Insurance Resources agent at 800-875-4711, or get a quote online.
Sources for this Granite Shoals page
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.
- Census ACS 2020–2024, Granite Shoals city: structure type, tenure, median year built, home value, population, year built
- Census CBSA delineation
- Gazetteer (Census)
- FEMA declared disasters, Burnet County
- NFIP data (OpenFEMA), Burnet County
- Community Status Book (NFIP)
- Comptroller economic regions
- FEMA NRI county ratings, Burnet County
- NWS Austin/San Antonio, TX
- County and state comparisons: Burnet County value, Burnet County build year, Texas value
- TWIA coverage area
- Storm Events Database (NOAA), Burnet County
- Comptroller county directory, Burnet County