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Home Insurance in Groesbeck, TX
See where Groesbeck stands against county and statewide figures before you compare home insurance quotes.
$5,004/yr
About $417/mo · ~$300k-$400k dwelling class
$3,067/yr
About $256/mo after modeled shopping discount
About 38.7% below local market estimate
How Groesbeck homes compare
| Measure | Groesbeck | Limestone County | Texas |
|---|---|---|---|
| Median home value | $162,500 | $164,200 | $283,800 |
| Median year built | 1979 | 1983 | 1992 |
| Owner-occupied homes | 61% | 72% | 63% |
| Single-family detached | 75% | 70% | 64% |
| Built before 1980 | 51% | 45% | 33% |
| Built 2000 or later | 9% | 26% | 39% |
| Manufactured homes | 7% | 19% | 6% |
By median build year, Groesbeck (1979) and Limestone County (1983) are similar. 61% of occupied homes are owner-occupied in Groesbeck, below the Limestone County share of 72%. Manufactured homes are less common in Groesbeck (7% of units) than across Limestone County (19%).
Owners in Groesbeck put the median value of their homes at $162,500. Limestone County as a whole is in the same range, at $164,200. Land value is part of a sale price but not of a rebuild, so the right Coverage A figure can be well above or below market value.
Weather risk in Limestone County, rated
| Hazard | FEMA NRI rating | NOAA reports, 2016–2025 |
|---|---|---|
| Hail | Relatively Low | 44 hail reports |
| Tornadoes | Relatively Low | 9 tornadoes |
| Strong wind | Relatively Low | 56 thunderstorm wind reports |
| Inland flooding | Relatively Low | 29 flash floods |
| Hurricanes | Relatively Low | – |
| Wildfire | Relatively Low | – |
| Winter weather | Relatively Low | – |
| Drought | Relatively Moderate | – |
| Lightning | Relatively Moderate | – |
FEMA’s county-level National Risk Index puts Limestone County in the relatively low band overall. Its leading hazards, by rating, are cold waves (relatively high), lightning (relatively moderate) and drought (relatively moderate).
Since 2000, Limestone County has been included in 7 federal major disaster declarations for natural hazards. Recent ones: Severe Storms, Straight-line Winds, Tornadoes, and Flooding (2024), Severe Winter Storm (2023) and Severe Winter Storms (2021).
What the comparison means for your policy
- TWIA does not write in Limestone County; wind and hail claims go through your regular homeowners policy, which may carry its own wind/hail deductible.
- FEMA lists Groesbeck as a participating NFIP community. Its flood map now in force took effect in September 2011. Flood coverage is far from universal: 60 residential NFIP policies in Limestone County, or about 1 per 148 homes. NFIP records show 55 flood claims in the county since 2016. A homeowners policy will not pay for rising water; flood is a separate policy, and NFIP coverage typically takes 30 days to begin.
- Half of the housing in Groesbeck dates from 1979 or earlier, per Census estimates. Pre-1980 houses are about 51% of the stock, and post-2000 houses about 9%. For homes in this age range, carriers mostly focus on the roof: its age, material and any prior hail repairs.
Local offices and records
Insurers often check the appraisal district record, so confirm that what the Limestone district shows at www.limestonecad.com matches your home. Its office is at 303 S. Waco St. Groesbeck, TX 76642-1726. Groesbeck is covered by the NWS Fort Worth/Dallas, TX forecast office, which issues local watches and warnings. The associated NEXRAD radar is KGRK.
Groesbeck belongs to Limestone County. No metro or micro area includes Limestone County, so it is rural by the federal definition. Groesbeck lies east of Waco, around 39 miles away in a straight line.
Questions Groesbeck homeowners ask
How risky is Limestone County for natural hazards?
Overall, FEMA scores Limestone County as relatively low. Its standout hazards are cold waves (relatively high), lightning (relatively moderate) and drought (relatively moderate). Flood is the one that needs its own policy; the others are generally covered perils with deductibles.
Has Groesbeck been part of a FEMA disaster declaration?
Since 2000, FEMA has declared 7 natural-hazard major disasters that include Limestone County. The most recent was Severe Storms, Straight-line Winds, Tornadoes, and Flooding, declared in May 2024. Disaster aid rarely covers a full rebuild, which is why adequate limits matter.
Should I insure my Groesbeck home for its market value?
Not necessarily. The Census median home value in Groesbeck is $162,500, but Coverage A should match the cost to rebuild, which excludes land and can be higher or lower than market value. Ask for a replacement-cost estimate based on square footage and finishes.
Can I get competitive quotes in Groesbeck from carriers outside the area?
Yes. Pricing depends on your address and home, not the agent’s office. Whether you are in Groesbeck or Waco, about 39 miles away, an independent agency can shop multiple carriers remotely.
Request a Groesbeck homeowners quote
One call to 800-875-4711 or a short online form gets several carriers working on your quote.
Sources and methodology
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.
- Community Status Book (NFIP)
- County and state comparisons: Limestone County value, Limestone County build year, Texas value
- NFIP data (OpenFEMA), Limestone County
- Comptroller economic regions
- National Risk Index (FEMA), Limestone County
- Census Bureau ACS five-year data, Groesbeck city: tenure, structure type, year built, median year built, population, home value
- FEMA declared disasters, Limestone County
- NOAA Storm Events Database, Limestone County
- NWS Fort Worth/Dallas, TX
- Census CBSA delineation
- Census Gazetteer coordinates
- TWIA eligibility
- Comptroller county directory, Limestone County