Compare more wisely in Granbury with an independent agency that shops multiple carriers and explains the tradeoffs before you buy.
About Granbury, TX
Granbury is home to roughly 9,386 residents in Hood County.
Granbury lies within the Hood County area, where routine insurance shopping is driven more by home characteristics and carrier appetite than by any single landmark.
Housing here is a mix of single-family homes typical of the Hood County area, and replacement cost, roof age, and construction type still drive most premium differences block by block.
Homes in North Texas are often rated for severe thunderstorms, hail, and tornado risk shared across the Plains.
Average home insurance cost in Granbury
The typical homeowners insurance premium in Granbury, TX is about $1,958 annually for a typical local home (typical local home value about $315,800). For a $300,000 dwelling, expect around $1,917 per year; for a $600,000 home about $2,697; and for a $1,000,000 dwelling about $3,510. Freedom Insurance Group rates are often about 35% lower — near $1,273 per year for a typical home, roughly $1,246 for a $300,000 home, about $1,753 for a $600,000 home, and around $2,282 for a $1,000,000 home.
| Dwelling Coverage Limits | Average Annual Premium (incl. Windstorm & Hail Coverage) |
|---|---|
| $100,000 – $200,000 | $1,490 |
| $200,000 – $300,000 | $1,666 |
| $300,000 – $400,000 | $2,045 |
| $400,000 – $500,000 | $2,315 |
| $500,000 – $600,000 | $2,577 |
| $600,000 – $700,000 | $2,782 |
| $700,000 – $800,000 | $2,952 |
| $800,000 – $900,000 | $3,175 |
| $900,000 – $1,000,000 | $3,398 |
Band premiums are midpoints on the Granbury dwelling curve (typical local home value about $315,800). Illustrated estimates, not a quote.
Figures are 2026 market-style estimates for Granbury, TX, using a typical local home value of about $315,800. Freedom figures apply an approximate 35% 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
- Coverage A, dwelling: Following a covered loss, this coverage rebuilds your home’s structure; set it to match today’s local rebuild costs.
- Coverage B, other structures: It covers detached features such as a garage, shed, fence, or similar buildings that sit apart from the main house.
- Personal property (C): Pays for belongings in the home: furniture, clothing, and everyday items. Pricier categories can be subject to special limits.
- Coverage D, loss of use: Added costs of living elsewhere until repairs are done after a covered claim leaves it uninhabitable.
- Personal liability (E): When you are found legally liable for someone else’s injury or property damage in a covered incident, this coverage steps in.
- Coverage F, medical payments: This coverage can help with guest medical bills for injuries that happen on your property, often without needing a formal liability claim.
Discounts for Granbury, 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% |
Discounts are not uniform across carriers, and the amounts vary. Treat “up to” as the ceiling, not a promise.
How Granbury home insurance premiums differ
Underwriters price a Granbury homeowners quote from several connected factors that work together. Rebuild cost, roof age and material, and local storm or wildfire exposure have the biggest effect, while deductible choice and claims history can swing the final premium as much as the carrier brand itself.
Think of replacement cost as the cost to rebuild the home in like-kind materials at current labor and supply costs. In Granbury, a larger rebuild estimate, the premium usually rises, because the insurer’s exposure grows.
Construction type and roof details play a role too: frame versus masonry walls, the roof covering, and overall build quality all affect how a property performs in the wind, hail, and fire events seen across Texas.
Two Granbury homes with matching rebuild costs can still price differently thanks to location risk: scores for storms, hail, wildfire, and crime that vary by ZIP code and neighborhood.
Fire protection plays in as well: hydrant access, a short drive to the fire station, and a good protection class rating may all help pricing.
A recent claim on the property or by the household may lift the price for Granbury renewals as well as new policies, since claims history is a big rating factor.
Credit-based insurance score, where state rules allow it, is another input; better scores generally line up with lower premiums when the carrier uses it.
Granbury homes by the numbers
From 2000 on, Hood County has appeared in 8 major disaster declarations; the latest is Severe Winter Storms (February 2021).
The median home in Granbury was built in 2003. Roughly 37% of homes went up in 2010 or later, so age-of-home discounts can matter here.
FEMA’s National Risk Index flags hail (“Relatively Moderate”), tornado (“Relatively High”), and wildfire (“Relatively Moderate”) in Hood County.
On tornadoes, NOAA lists 3 tornadoes touching down within 10 miles of Granbury between 2016 and 2025, the most intense an EF0 in March 2016.
Census survey estimates (ACS 2020–2024) show about 6,134 housing units in Granbury, and owners occupy about 60% of the occupied homes. Of all units, 58% are detached single-family houses, 33% are in buildings with two or more units, and 5.2% are mobile homes.
NOAA’s Storm Events Database lists 37 hail reports within about 6 miles of Granbury from 2016 through 2025; 30 were one inch or bigger. Top size was 2 inches in March 2023 around Granbury.
Occupied homes in Granbury are heated mostly with electricity (78%) and utility gas (20%).
Granbury dates its official start to 1860. The Census Bureau counted 5,718 people in Granbury at the 2000 Census and 7,978 at the 2010 Census; its July 2024 estimate is 12,934. That works out to about 126% more residents than in 2000.
Older NOAA hail logs add more history: the Storm Prediction Center lists 72 hail reports within 5 miles of Granbury between 1955 and 2015; the biggest stones, 4.5 inches, fell on October 17, 1993. 8 of those reports were 2 inches or larger. Federal tornado records from NOAA’s Storm Prediction Center list 21 tornadoes that began within 10 miles of Granbury from 1950 through 2015, the strongest an EF4 on May 15, 2013. That tornado’s record lists 6 deaths and 54 injuries.
Shopping around the area? See our home insurance pages for Glen Rose (13 mi), Aledo (21 mi), and Cleburne (22 mi).
ZIP codes we cover near Granbury
76048 · 76049
Granbury, TX home and auto bundling
Illustrative average bundling savings, not a guaranteed quote. Actual savings come down to the carriers and drivers involved.
| Place | 1-car bundle | 2-car bundle | 3-car bundle |
|---|---|---|---|
| Granbury, Texas | $258 | $436 | $636 |
Other Texas insurance pages
Granbury, TX homeowners quotes
In Granbury, Freedom Insurance Group compares 25+ carriers. To get started, start a free home quote online or dial (800) 253-1482.
