Freedom Insurance Group helps Groves households compare homeowners coverage without the runaround. Call (800) 253-1482 or ask for a quote online.
Home insurance rates in Groves, TX
| Scenario | Market estimate | FIG illustrated (36% less) |
|---|---|---|
| Typical Groves home (~$252,500) | $1,989/yr | $1,273/yr |
| $300,000 dwelling | $2,272/yr | $1,454/yr |
| $600,000 dwelling | $3,197/yr | $2,046/yr |
| $1,000,000 dwelling | $4,160/yr | $2,662/yr |
The typical homeowners insurance premium in Groves, TX is about $1,989 annually for a typical local home (typical local home value about $252,500). For a $300,000 dwelling, expect around $2,272 per year; for a $600,000 home about $3,197; and for a $1,000,000 dwelling about $4,160. Freedom Insurance Group rates are often about 36% lower — near $1,273 per year for a typical home, roughly $1,454 for a $300,000 home, about $2,046 for a $600,000 home, and around $2,662 for a $1,000,000 home.
| Dwelling Coverage Limits | Average Annual Premium (incl. Windstorm & Hail Coverage) |
|---|---|
| $100,000 – $200,000 | $1,766 |
| $200,000 – $300,000 | $1,974 |
| $300,000 – $400,000 | $2,424 |
| $400,000 – $500,000 | $2,744 |
| $500,000 – $600,000 | $3,054 |
| $600,000 – $700,000 | $3,298 |
| $700,000 – $800,000 | $3,499 |
| $800,000 – $900,000 | $3,763 |
| $900,000 – $1,000,000 | $4,027 |
Band premiums are midpoints on the Groves dwelling curve (typical local home value about $252,500). Illustrated estimates, not a quote.
Figures are 2026 market-style estimates for Groves, TX, using a typical local home value of about $252,500. Freedom figures apply an approximate 36% savings vs the local typical premium for illustration. Your quote depends on dwelling limit, roof, deductible, claims, and carrier. Not a guarantee.
What shapes home insurance costs in Groves
Carriers price a Groves policy quote from several interlocking factors reviewed together. The deductible you choose and your claims history can change the final price as much as the choice of carrier, but rebuild cost, the roof’s age and material, and local storm or wildfire risk tend to dominate.
Define replacement cost as the cost to rebuild the home using similar materials at today’s labor and material prices. Higher rebuild estimates for Groves properties usually push up premiums because the carrier’s maximum payout increases with that figure.
Frame or masonry walls, the roof covering, and how well the house is built all influence how a house performs in Texas’s wind, hail, and fire events, which is why construction type and roof details carry weight.
Location risk is why two comparable houses may not match on price: carriers score storm, hail, wildfire, and crime risk down to ZIP code and neighborhood across Groves.
A solid fire protection score that reflects hydrant distance, station distance, and protection class often makes the premium lower.
Claims history is a heavy factor: in Groves, a recent claim on the home or household can raise the premium for renewals and new business alike.
If state law permits, insurers may apply a credit-based insurance score, and a stronger score usually means lower premiums.
What makes Groves, TX different
Groves is home to around 15,750 residents and sits in Jefferson County.
Groves is located in the Jefferson County area, where routine insurance shopping is driven more by home characteristics and carrier appetite than by any single landmark.
The housing stock is largely single-family homes typical of the Jefferson County area, but replacement cost, roof age, and construction type still drive most premium differences from street to street.
Insurers in North Texas usually account for severe thunderstorms, hail, and tornado risk common across the Plains.
Homeowners discounts in Groves, TX
| 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 depend on the carrier. “Up to” marks the top of the range, not a guarantee.
Homeowners policy coverages, A through F
- Dwelling (Coverage A): This is the limit that pays to rebuild your home’s structure after a covered loss, and it should track current reconstruction costs in your area.
- Other structures (B): This handles structures not attached to the home, for example a fence, shed, or detached garage.
- Personal property (Coverage C): Furniture, clothing, and the other things you own inside the house are protected, but special limits can cap higher-value categories.
- Loss of use (D): It can help pay additional living expenses when a covered claim makes the home unlivable for a while during repairs.
- Personal liability (Coverage E): It pays when you are legally responsible for another person’s injury or property damage arising from a covered event.
- Medical payments (Coverage F): This helps with guest medical bills for injuries that occur on your property, often without requiring a formal liability claim.
Bundling home and auto in Groves, TX
These are illustrated averages for bundling, not a guaranteed quote. Actual savings vary with carriers and drivers.
| Place | 1-car bundle | 2-car bundle | 3-car bundle |
|---|---|---|---|
| Groves, Texas | $258 | $436 | $636 |
Groves homes by the numbers
Occupied homes in Groves are heated mostly with utility gas (60%) and electricity (38%).
Since 2000, Jefferson County has been part of 12 major disaster declarations; the most recent is Hurricane Beryl (July 2024).
Tornado history matters here as well: NOAA recorded 7 tornadoes touching down within 10 miles of Groves in 2016–2025, with the strongest at EF2 during April 2024.
NOAA storm records show 10 hail reports within about 5 miles of Groves from 2016 through 2025, 10 of them one inch or larger. Top size was 2 inches in May 2024 near Groves.
FEMA’s National Risk Index flags tornado (“Relatively High”), wildfire (“Relatively Moderate”), winter-weather (“Relatively Moderate”), and strong-wind (“Relatively High”) in Jefferson County.
ACS 2020–2024 estimates put about 6,796 housing units in Groves, and owner-occupants live in close to 78% of the occupied homes. Looking at building types, 88% are detached single-family houses and 11% are in buildings with two or more units.
Half of Groves’ homes were built in or before 1967. About 76% of homes were built before 1980, so system and roof updates are worth documenting for a quote.
Groves’ population went from 15,733 at the 2000 Census to 16,144 at the 2010 Census, and the Census Bureau’s July 2024 estimate is 16,866. Numbers have held fairly steady since 2000.
Going further back, the Storm Prediction Center lists 32 hail reports within 5 miles of Groves between 1955 and 2015, topped by hail of 1.75 inches on July 4, 1970. NOAA Storm Prediction Center records list 47 tornadoes that began within 10 miles of Groves from 1950 through 2015, the strongest an F3 on November 7, 1957. That tornado’s record lists 2 deaths and 59 injuries.
Looking at neighboring communities? See our home insurance pages for Port Neches (3 mi), Port Arthur (3 mi), and Nederland (5 mi).
Groves-area ZIP codes we insure
77619
More Texas insurance guides
Groves, TX home insurance quotes
Freedom Insurance Group shops 25+ carriers for Groves residents. Phone (800) 253-1482 or start a free home quote online.
