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Home Insurance in Richards, TX
FEMA rates drought and tornadoes as the leading natural hazards for Grimes County. Here is the storm, flood and wind record that shapes home insurance in Richards.
$6,524/yr
About $544/mo · ~$300k-$400k dwelling class
$3,719/yr
About $310/mo after modeled shopping discount
About 43% below local market estimate
Natural hazard profile for Richards
Grimes County lands in the relatively low category of FEMA’s National Risk Index. The individual hazards that stand out are drought (relatively high), tornadoes (relatively moderate) and hurricanes (relatively moderate).
Drought is rated relatively high in Grimes County. Expansive clay soils can shift foundations in dry spells, and most policies exclude settling and earth movement.
With tornadoes rated relatively moderate, check that loss-of-use coverage would carry you through a long rebuild.
FEMA rates hurricane exposure relatively moderate here, so coastal-style questions apply: who covers wind, and is flood insured separately?
FEMA rates lightning relatively moderate here; ask whether electronics damaged by a surge are covered and at what limit.
Recent severe weather in Grimes County
Hail turned up 7 times in Grimes County in NOAA’s database between 2016 and 2025. In 5 cases the hail was an inch across or bigger. The top report was 2-inch hail on April 24, 2020. NOAA lists 5 tornadoes in Grimes County between 2016 and 2025, topped by an EF2 on May 26, 2016.
Thunderstorm wind reports numbered 20, with a peak near 75 mph. NOAA also counts 15 flash flood events in the county in that period.
Natural hazards have put Grimes County in 14 federal major disaster declarations since 2000. Among the most recent are Severe Storms, Straight-line Winds, Tornadoes, and Flooding (2026), Hurricane Beryl (2024) and Severe Storms, Straight-line Winds, Tornadoes, and Flooding (2024).
Windstorm questions for Richards homes
There is no TWIA option in Grimes County, so the homeowners carrier handles wind and hail, and its deductible for those perils can differ from the all-other-perils deductible.
Flood insurance in Richards
Flood insurance for unincorporated areas is handled through Grimes County, which participates in the National Flood Insurance Program. Across Grimes County, 197 residential NFIP policies were in force, roughly 1 for every 50 homes. Grimes County has produced 47 NFIP claims from 2016 on. A homeowners policy will not pay for rising water; flood is a separate policy, and NFIP coverage typically takes 30 days to begin.
You can check your flood zone by address at the FEMA Flood Map Service Center.
How Richards homes are built and valued
Pre-1980 houses are about 36% of the stock, and post-2000 houses about 23%. The Census estimate for Richards is too uncertain to quote, but the Grimes County median home value is $237,400. Keep in mind that Coverage A should follow rebuilding cost, not sale price, since the lot itself does not burn or blow away.
Where Richards homeowners can check the details
Richards sits within Grimes County. By federal definition Grimes County is rural, outside every metro and micro area. Measured point to point, Richards sits roughly 27 miles east of College Station.
Insurers often check the appraisal district record, so confirm that what the Grimes district shows at www.grimescad.org matches your home. Its office is at 360 Hill St. Anderson, TX 77830-7410. Severe weather warnings for Richards come from the NWS Houston/Galveston, TX office. Its assigned radar site for Richards is KHGX.
Richards hazard and coverage questions
Will my policy cover foundation problems from drought in Richards?
Generally no. Settling and earth movement are excluded on most homeowners forms, even though drought, rated relatively high in Grimes County by FEMA, can move foundations. A covered water leak that damages the slab may be the exception.
Do I need separate flood insurance in Richards?
Homeowners policies exclude flood, so it takes a separate NFIP or private flood policy. Only about 1 in 50 Grimes County homes carries NFIP coverage. Most NFIP policies begin after a 30-day wait, so do not wait for a storm forecast.
What does the hail record look like near Richards?
From 2016 through 2025, NOAA logged 7 hail reports in Grimes County, 5 of them with stones an inch or larger. FEMA’s National Risk Index rates the county’s hail risk very low. Compare how each carrier settles roof claims and what a percentage deductible would cost you out of pocket.
Does homeowners insurance cover tornado damage in Richards?
Yes, tornado damage is covered as windstorm, subject to your wind and hail deductible. NOAA records show 5 tornadoes in Grimes County from 2016 through 2025, so confirm your dwelling and loss-of-use limits would cover a full rebuild.
Compare Richards home insurance quotes
Compare carriers with Texas Insurance Resources. Call 800-875-4711 or request a quote online.
Where the Richards numbers come from
Public data current as of October 2026; Census figures are survey estimates. The two price cards are modeled estimates from Texas Insurance Resources, not quotes.
- Texas Comptroller regions
- OMB metro and micro areas
- Census Gazetteer coordinates
- NWS Houston/Galveston, TX
- Comptroller county directory, Grimes County
- Disaster declarations (FEMA), Grimes County
- NOAA NCEI storm reports, Grimes County
- FEMA National Risk Index, Grimes County
- Comparison figures: Grimes County value, Grimes County build year
- TWIA eligibility
- Census Bureau ACS five-year data, Richards CDP: population, tenure, structure type, home value, year built, median year built
- OpenFEMA NFIP data, Grimes County