Freedom Insurance Group works with Graham, TX by providing side-by-side homeowners quotes from 25+ companies.
About Graham, TX
Graham is home to around 8,865 residents in Young County.
Graham sits in the Young County area, and there everyday insurance shopping is driven more by the features of each home and carrier appetite than by any single landmark.
The housing stock is largely single-family homes typical of the Young County area, but replacement cost, roof age, and construction type still drive most premium differences block by block.
Insurers in North Texas commonly factor in severe thunderstorms, hail, and tornado risk common across the Plains.
Home insurance pricing in Graham, TX
The typical homeowners insurance premium in Graham, TX is about $1,526 annually for a typical local home (typical local home value about $275,000). For a $300,000 dwelling, expect around $1,633 per year; for a $600,000 home about $2,298; and for a $1,000,000 dwelling about $2,990. Freedom Insurance Group rates are often about 37% lower — near $961 per year for a typical home, roughly $1,029 for a $300,000 home, about $1,448 for a $600,000 home, and around $1,884 for a $1,000,000 home.
| Dwelling Coverage Limits | Average Annual Premium (incl. Windstorm & Hail Coverage) |
|---|---|
| $100,000 – $200,000 | $1,270 |
| $200,000 – $300,000 | $1,419 |
| $300,000 – $400,000 | $1,742 |
| $400,000 – $500,000 | $1,972 |
| $500,000 – $600,000 | $2,195 |
| $600,000 – $700,000 | $2,370 |
| $700,000 – $800,000 | $2,515 |
| $800,000 – $900,000 | $2,705 |
| $900,000 – $1,000,000 | $2,895 |
Band premiums are midpoints on the Graham dwelling curve (typical local home value about $275,000). Illustrated estimates, not a quote.
Figures are 2026 market-style estimates for Graham, TX, using a typical local home value of about $275,000. Freedom figures apply an approximate 37% savings vs the local typical premium for illustration. Your quote depends on dwelling limit, roof, deductible, claims, and carrier. Not a guarantee.
Homeowners coverage basics
- Dwelling (A): Money to rebuild the structure after a covered loss. It should keep pace with local rebuilding prices.
- Other structures (B): Sheds, fences, detached garages, and the like separate from the main house fall here.
- Coverage C, personal property: This covers furniture, clothing, and everyday belongings inside the home, with special limits that may apply to higher-value categories.
- Coverage D, loss of use: This helps with additional living expenses when a covered claim makes the home uninhabitable for a time during repairs.
- Personal liability (E): It responds when you are legally responsible for injuring someone or damaging their property resulting from a covered incident.
- Medical payments (Coverage F): When a guest gets hurt on your property, this covers medical costs, often without a formal liability claim.
Savings opportunities for Graham, TX homeowners
| Discount | What it means | Typical amount |
|---|---|---|
| New Home | New construction recently purchased | up to 40% |
| Age of home (5 yrs) | Newer homes | up to 26% |
| Bundle | Home and auto together | up to 25% |
| Upgrades | Electrical, plumbing, heating, roof updates | up to 20% |
| Hail-resistant roof | Class 1–4 impact roof | up to 12% |
| Claims-free | Multi-year claims-free history | up to 5% |
| Security / alarms | Monitored fire or burglar alarm | up to 4% |
| Paid in full | Pay annual premium upfront | up to 7% |
Discount availability and amounts vary by carrier. “Up to” shows the maximum, not a promise.
Why Graham home insurance premiums differ
Insurers build a Graham homeowners quote from several connected factors that work together. Rebuild cost, roof age and material, and local storm or wildfire exposure tend to move the number most, while deductible choice and claims history can change the final premium as much as the carrier brand itself.
Rebuilding your house with similar materials at current labor and material costs sets what replacement cost means. When a Graham home has a higher rebuild estimate, the price tends to climb, because the insurer’s exposure grows.
Construction type and roof details round out the list: underwriters check whether walls are frame or masonry, the roof covering, and how solidly the home is built, because those details decide how it handles wind, hail, and fire events common across Texas.
Location risk explains why neighbors can pay different amounts: underwriters rate storm, hail, wildfire, and crime exposure down to ZIP code and neighborhood in Graham.
Fire protection matters as well: a hydrant close by, a close fire station, and a good protection class rating may all help the price.
Claims history remains a major rating input: recent claims on the property or household often increase rates for Graham renewals and new business quotes alike.
Some carriers factor in a credit-based insurance score where the state allows; higher scores generally bring lower prices.
Graham, TX home & auto bundle savings
Average bundle savings, illustrated, not a guaranteed quote. Actual savings come down to the carriers and drivers involved.
| Place | 1-car bundle | 2-car bundle | 3-car bundle |
|---|---|---|---|
| Graham, Texas | $258 | $436 | $636 |
Graham homes by the numbers
On tornadoes, NOAA logged 2 tornadoes starting within 10 miles of Graham in 2016–2025, with the strongest at EF0 in March 2020.
NOAA’s Storm Events Database lists 4 hail reports within about 5 miles of Graham from 2016 through 2025, 3 of them one inch or larger. Top size was 1 inch in May 2016 around Graham.
FEMA’s National Risk Index flags hail (“Relatively Moderate”), wildfire (“Relatively Moderate”), and strong-wind (“Relatively Moderate”) in Young County.
ACS 2020–2024 estimates put about 3,781 housing units in Graham, and owners occupy close to 67% of the occupied homes. Looking at building types, 83% are detached single-family houses and 14% are in buildings with two or more units.
Occupied homes in Graham are heated mostly with electricity (48%) and utility gas (48%).
The median home in Graham was built in 1972. About 66% of homes were built before 1980, so wiring, plumbing, and roof updates are worth documenting for a quote.
Since 2000, Young County has appeared in 6 major disaster declarations; the latest is Severe Winter Storms (February 2021).
Graham’s recorded beginnings date to 1871. Census counts put Graham at 8,716 residents in 2000 and 8,903 in 2010, and the Census Bureau’s July 2024 estimate is 8,859. The population has stayed fairly steady since 2000.
Older NOAA hail logs add more history: SPC data show 83 hail reports within 5 miles of Graham between 1955 and 2015, topped by hail of 7.5 inches on April 14, 1965. Reports of 2-inch or bigger hail number 15 in that span. Federal tornado records from NOAA’s Storm Prediction Center list 19 tornadoes that began within 10 miles of Graham from 1950 through 2015, the strongest an F3 on June 6, 1979.
ZIP codes we serve in and around Graham
76450
