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Home Insurance in Grapevine, TX
How Grapevine homes and hazards compare with Tarrant County and Texas as a whole, and what the differences mean for your policy.
$5,527/yr
About $461/mo · ~$300k-$400k dwelling class
$3,272/yr
About $273/mo after modeled shopping discount
About 40.8% below local market estimate
How Grapevine homes compare
| Measure | Grapevine | Tarrant County | Texas |
|---|---|---|---|
| Median home value | $493,100 | $323,900 | $283,800 |
| Median year built | 1993 | 1990 | 1992 |
| Owner-occupied homes | 53% | 59% | 63% |
| Single-family detached | 54% | 65% | 64% |
| Built before 1980 | 16% | 33% | 33% |
| Built 2000 or later | 35% | 36% | 39% |
| Manufactured homes | 2% | 2% | 6% |
By median build year, Grapevine (1993) and Tarrant County (1990) are similar.
The median owner-estimated home value in Grapevine is $493,100. That sits above the county-wide median of $323,900. Keep in mind that Coverage A should follow rebuilding cost, not sale price, since the lot itself does not burn or blow away.
Tarrant County hazards and storm counts
| Hazard | FEMA NRI rating | NOAA reports, 2016–2025 |
|---|---|---|
| Hail | Very High | 465 hail reports |
| Tornadoes | Very High | 20 tornadoes |
| Strong wind | Relatively Moderate | 249 thunderstorm wind reports |
| Inland flooding | Relatively High | 77 flash floods |
| Hurricanes | Relatively Low | – |
| Wildfire | Relatively Moderate | – |
| Winter weather | Very High | – |
| Drought | Relatively Low | – |
| Lightning | Relatively High | – |
FEMA’s county-level National Risk Index puts Tarrant County in the relatively high band overall. Hazard by hazard, the strongest scores are for hail (very high), tornadoes (very high) and winter weather (very high).
Tarrant County appears in 7 presidential major disaster declarations for weather and other natural hazards from 2000 onward. The latest declarations were Severe Winter Storms (2021), Hurricane Harvey (2017) and Severe Storms, Tornadoes, Straight-line Winds and Flooding (2015).
Coverage takeaways for Grapevine
- Since Tarrant 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.
- The city takes part in the National Flood Insurance Program, which makes federal flood policies available. The effective FEMA flood map for the community is from July 2014. In Tarrant County, roughly 1 home in 115 has federal flood coverage (4,999 residential policies in force). NFIP records show 458 flood claims in the county since 2016. Flood needs its own policy, and buying one right before a storm will not help because of the usual 30-day wait.
- The median home in Grapevine was built in 1993. Roughly 16% of the housing stock predates 1980 and 35% is from 2000 onward. A middle-aged housing stock means roof age matters a lot: a roof past roughly 15 to 20 years can move a policy to actual cash value roof coverage with some carriers.
Contacts for Grapevine homeowners
Insurers often check the appraisal district record, so confirm that what the Tarrant district shows at www.tad.org matches your home. Its office is at 2500 Handley-Ederville Rd. Fort Worth, TX 76118-6909. Watches and warnings for Grapevine are issued by NWS Fort Worth/Dallas, TX. Its assigned radar site for Grapevine is KFWS.
Grapevine straddles county lines; county-level figures here use Tarrant County, though parts of Grapevine sit in Dallas County and Denton County. In the federal metro delineation, Tarrant County anchors the Dallas-Fort Worth-Arlington metro. Measured point to point, Grapevine sits roughly 8 miles northwest of Irving.
Questions Grapevine homeowners ask
What natural hazards affect Grapevine homes most?
Tarrant County is rated relatively high overall in FEMA’s National Risk Index. Its standout hazards are hail (very high), tornadoes (very high) and winter weather (very high). Use that list to decide where higher limits or a lower deductible are worth the premium.
Can I get competitive quotes in Grapevine from carriers outside the area?
Yes. Pricing depends on your address and home, not the agent’s office. Whether you are in Grapevine or Irving, about 8 miles away, an independent agency can shop multiple carriers remotely.
How much could I save by shopping my Grapevine policy?
On this page we model a 40.8% gap between the local market estimate and our estimate for Grapevine. It is not a quote, and actual savings can be higher, lower or zero.
What coverage do landlords and tenants need in Grapevine?
Renters occupy about 47% of homes in Grapevine. Landlords generally need a DP-1, DP-2 or DP-3 dwelling policy, and tenants need renters insurance, because the landlord’s policy does not cover a tenant’s belongings.
Ready to price your Grapevine home?
One call to 800-875-4711 or a short online form gets several carriers working on your quote.
Sources for this Grapevine page
Data reflects the most recent releases available in October 2026; survey figures carry margins of error. The two price cards are modeled estimates from Texas Insurance Resources, not quotes.
- NWS Fort Worth/Dallas, TX
- Comptroller county directory, Tarrant County
- Comptroller economic regions
- Texas Windstorm Insurance Association
- Community Status Book (NFIP)
- OpenFEMA flood insurance data, Tarrant County
- National Risk Index (FEMA), Tarrant County
- NOAA NCEI storm reports, Tarrant County
- Census metro delineation
- Gazetteer (Census)
- Disaster declarations (FEMA), Tarrant County
- Benchmarks: Tarrant County value, Tarrant County build year, Texas value
- Census ACS 2020–2024, Grapevine city: median year built, population, year built, structure type, tenure, home value