Serving Trinity County, Texas
Insurance for Groveton, Trinity & Trinity County, Texas
Compare personal and business insurance from the companies we represent to find coverage that best fits your needs and budget.
- Serving
- Groveton (75845), Trinity and Westwood Shores (75862), Apple Springs (75926), Pennington (75856) and rural communities throughout Trinity County.
- Coverage
- Home, auto, business, and farm and ranch.
- Work with us
- By phone or online with our independent agency in Madisonville.
Start with what you need to insure
Home
Your home & buildings
Review your home, belongings, other buildings and property use.
In Trinity County38 percent of homes are manufactured; 54 percent of Trinity households rent (ACS 2020 to 2024).
Farm & ranch
Land & agricultural use
Discuss your land, buildings, livestock, equipment and agricultural activities.
In Trinity County444 farms, 48 percent under 50 acres; 14,074 cattle and calves (Census of Agriculture 2022).
Auto
Household vehicles
Review your vehicles, drivers and personal or work use.
In Trinity County172 crashes in Trinity County in 2025, 15 of them involving a commercial vehicle (TxDOT).
Business
Your business
Review your business property, operations, employees and contract requirements.
In Trinity County194 businesses with employees, including 7 trucking companies and 5 electrical contractors (Census 2023).
Available options depend on your location, property and activities.
Meet your insurance team
Get help comparing quotes, understanding your coverage and requesting policy changes.
- Craig StoverAgency president helping families, landowners and businesses
- Steven StoverCommercial insurance · IIAT Board of Directors
- Tammy DriskellMore than 40 years of service with Stover & Crouch
- Sheila PiercePersonal auto specialist with 25 years at the agency
- Erin FergusonPersonal, business and farm & ranch insurance
- Tyler StoverCommercial insurance and operations with catastrophe claims experience
Trinity County
Local research & insurance insights
Groveton, Trinity & unincorporated county
Trinity County flood-map update
FEMA’s October 14, 2026 notice sets January 22, 2027 for new or modified maps. Check the map’s effective date for your address.
- The National Flood Insurance Program had about 43 policies in force in Trinity County as of September 2026, covering about $5 million; 140 claims since 1978 have paid about $2.5 million. Most of that claim history sits in ZIP 75862 (Trinity and Westwood Shores).
- FEMA's flood take-up data has no mapped high-risk zone count for the county, so check a property's zone by address.
Our county graphic is a community locator. Flood zones alone do not establish coverage or premium.
FEMA notice · October 14, 2026 (PDF)
OpenFEMA flood policy and claim data (as of September 8, 2026)
Groveton, Trinity & rural properties
PPC fire rating & territory
PPC (Public Protection Classification) can affect home and business insurance prices.
- Territory
- Rated fire-service boundary and recognized automatic aid.
- Station
- Road miles to a recognized fire station.
- Water supply
- Distance to a creditable hydrant or other water supply.
Response areas are approximate, not verified PPC territories. Ask us to confirm your property’s PPC and territory; premium impact varies by insurer.
Trinity County · 2024 to 2025 records
2024 storms and home repairs
NWS documented heavy rainfall across parts of Trinity County in late April 2024. The county’s March 28, 2025 recovery notice is historical; it does not confirm current assistance.
After repairs, share work dates, invoices, unfinished work and changes in occupancy or building use.
- National Weather Service records for 2016 to 2025 list 1 tornado in Trinity County (strongest EF1), hail of 1.75 inches or larger on 6 days, a peak thunderstorm gust of 63 mph, 13 flash floods and 3 winter or ice storms.
- FEMA's National Risk Index, a model rather than a claims record, puts Trinity County's largest expected building losses on hurricane (relatively moderate) and tornado (relatively low); it rates hail very low and wildfire relatively low.
Sources checked .
Plain answers
Trinity County insurance questions
Can you compare insurance companies in Groveton or Trinity, TX?
Yes. As an independent agency, we compare options from more than one insurance company for home, mobile home, farm and auto coverage. TDI’s home insurance guide notes that each company has its own underwriting rules and rates, so one may offer a policy when another won’t. You can work with us by phone or online from Groveton, Trinity, Apple Springs or anywhere in Trinity County, TX.
Does homeowners insurance cover a mobile home in Trinity County?
Mobile homes are usually insured on their own policy. TDI’s home insurance guide lists mobile home insurance as a separate type that covers the home, your belongings, additional living expenses and liability. Tell us the home’s year, size and setup and whether it sits on land you own, and we can compare mobile home insurance options.
Do I need flood insurance in Trinity County?
It depends on the property and the mortgage. If you have a government-backed mortgage on a property in a high-risk flood zone, flood insurance is required, and most home policies don’t cover flooding. FEMA’s October 14, 2026 notice sets January 22, 2027 for new or modified flood maps in Trinity County, so check your address on FEMA’s Flood Map Service Center. A new flood policy usually takes effect 30 days after you buy it.
Do I need farm insurance for my land in Trinity County?
It depends on how you use the land, not the number of acres. TDI’s home insurance guide describes farm and ranch insurance as coverage for homes outside city limits on land used for farming and raising livestock. Tell us about the home, animals, equipment, hay, leases, sales and visitors, and we can compare farm and ranch insurance options, including farm liability.
48 percent of Trinity County's 444 farms are under 50 acres (2022 Census of Agriculture), the size range where a hobby farm policy often fits better than a standard homeowners form.
Does personal auto insurance cover a pickup used for work?
It depends on how the pickup is used and what your policy allows. Tell us who owns and drives it, what it carries and the work it does, and we can review whether your personal auto insurance fits or whether the conversation needs business coverage too.
TxDOT logged 15 crashes involving a commercial vehicle in Trinity County in 2025; a pickup used for paid work is rated on its work use, not on household use.
Can a home business be part of the same review?
Yes. Tell us about the work, visitors, stock, tools and any separate workspace. We can discuss home and business insurance questions together without assuming one policy addresses every activity.
Of Trinity County's 194 businesses with employees, 57 percent have one to four workers (Census County Business Patterns, 2023), the size most home-based business reviews involve.
Does starting a quote change my current coverage?
No. A quote request does not bind, change or cancel coverage. Coverage changes require written confirmation from the agency or carrier. For an existing policy, use our existing-client support page.
Next step
Let’s talk about your Trinity County coverage
Start with what you need to insure and how to reach you. You don’t need every checklist item to begin.
What to have ready
Gather the items that apply to your situation.
- Your current coverage, if available, and the date you need coverage.
- The property address, building use and any repairs or renovations.
- Vehicles, drivers and equipment.
- Business activities, employees and work locations.
- Land use, leases, and lender or contract requirements.