Ranch, Business, Home & Auto Insurance in Navasota, TX
Across Grimes County, including Anderson, Bedias, Iola, Plantersville and Todd Mission.
- Serving
- Navasota (77868), Anderson (77830), Bedias (77831), Iola (77861), Plantersville and Todd Mission (77363) and rural communities throughout Grimes County.
- Coverage
- Home, auto, business, and farm and ranch.
- Work with us
- Work with our independent agency by phone or online.
Start with what you need to insure in Navasota, TX
Farm & ranch
Land & agricultural use
Discuss your land, buildings, livestock, equipment and agricultural activities.
In Grimes County1,668 farms, 53 percent under 50 acres; 104,709 cattle and calves (Census of Agriculture 2022).
Business
Your business
- Business insurance
- General liability insurance
- Commercial auto insurance
- Workers compensation insurance
- Commercial property insurance
- Business insurance by industry
Review your business property, operations, employees and contract requirements.
In Grimes County530 businesses with employees, including 21 trucking companies and 14 electrical contractors (Census 2023).
Home
Your home & buildings
Review your home, belongings, other buildings and property use.
In Grimes County22 percent of homes are manufactured; 40 percent of Navasota households rent (ACS 2020 to 2024).
Auto
Household vehicles
Review your vehicles, drivers and personal or work use.
In Grimes County608 crashes in Grimes County in 2025, 72 of them involving a commercial vehicle (TxDOT).
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
Local farm and ranch roots in Grimes County.
Before he helped insure ranchers, owner Steven Stover was working cattle on his grandmother’s ranch at Lake Irene in Bedias.
Today, he brings that experience to insurance conversations about cattle, equipment, buildings, and the liability risks that come with the work.
Grimes County
Local research & insurance insights
Navasota, Anderson, Plantersville, Todd Mission & unincorporated county
Grimes County flood-map status
FEMA’s effective flood maps for Grimes County date from April 3, 2012. On September 4, 2026, FEMA released preliminary maps for parts of Plantersville, Todd Mission and unincorporated Grimes County; the release does not state a comment deadline or an effective date.
- The National Flood Insurance Program had about 238 policies in force in Grimes County as of September 2026, covering about $81.6 million; 89 claims since 1978 have paid about $1.4 million. Most of that claim history sits in ZIP 77868 (Navasota).
- About 16 percent of the 398 homes inside the county's mapped high-risk zones carry a flood policy.
- Bedias does not take part in the National Flood Insurance Program, so no federal flood policy can be written for an address there; ask us about private flood coverage.
Our county graphic is a community locator. Flood zones alone do not establish coverage or premium.
FEMA release, September 4, 2026: preliminary flood maps for Grimes County
OpenFEMA flood policy and claim data (as of September 8, 2026)
Navasota, Anderson, Bedias, Iola & 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.
Grimes County · 2020 to 2026 records
Hail, wind and the 2024 storms
NWS Storm Data records golf ball to hen egg sized hail near Navasota and Plantersville on April 24, 2020, a 60 knot gust with trees down near Iola and Anderson on June 3, 2023, and a metal roof blown off a Navasota building on September 25, 2023. Grimes County is a Secondary MID county under the Texas GLO’s 2024 Disasters program.
After repairs, share work dates, invoices, unfinished work and changes in occupancy or building use.
- National Weather Service records for 2016 to 2025 list 5 tornadoes in Grimes County (strongest EF2), hail of 1.75 inches or larger on 1 day, a peak thunderstorm gust of 75 mph, 15 flash floods and 3 winter or ice storms.
- FEMA's National Risk Index, a model rather than a claims record, puts Grimes County's largest expected building losses on hurricane (relatively moderate) and tornado (relatively moderate); it rates hail very low and wildfire very low.
Grimes County emergency resources
Sources checked .
Independent insurance agency
Compare insurance options across Grimes County
Tell us what you need to insure. We have access to hundreds of insurance companies and help you review differences in price, coverage, limits, and deductibles. We choose those companies with our corner of Texas in mind: carriers with a track record on rural property, farm and ranch operations, and the storm seasons this region gets.
One conversation. Access to hundreds of insurance companies. A clearer comparison.
The Texas Department of Insurance counts 92 companies collecting homeowners premium in Grimes County in 2025.
Rates, coverage, and eligibility vary by insurance company and applicant. Availability is not guaranteed, and not every company will fit every risk.
Include the buildings beyond your Grimes County home
Homeowners claims paid in 2025
$2,199,430
Paid losses reported for Grimes County in the Texas Department of Insurance county data.
This is the county total paid during 2025 and may include payments for earlier losses. It is not a claim count or an estimate for your property. It excludes renters, condo, dwelling and TWIA policies.
View TDI county loss dataBeryl near Navasota · July 8, 2024
An early National Weather Service report listed a 55 mph gust two miles southwest of Navasota at 9:55 AM on July 8, 2024. This was a station observation, not the highest wind across Grimes County.
Read the National Weather Service reportBring a complete building list
List the home, barn, workshop and other buildings you want reviewed. Explain any rented space or business use, then ask which structures, limits and wind deductibles are included. Do not assume a home policy covers every building or activity on the property.
Read TDI coverage guidanceSources checked October 6, 2026. The weather example is a separate historical event; it does not explain the 2025 payment total or predict future losses. Coverage depends on the policy and the circumstances of a loss.
Navasota, TX insurance questions
Can you compare insurance companies in Navasota, TX?
Yes. As an independent agency, we compare options from more than one insurance company for farm and ranch, business, home 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 Navasota, Anderson, Bedias, Iola or anywhere in Grimes County, TX.
Do I need farm insurance for my land near Iola, TX?
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. Several oilfields opened near Iola in the 1970s and 1980s, so mention any oil or gas lease on the land along with the home, animals, equipment, hay, sales and visitors, and we can compare farm and ranch insurance options, including farm liability.
Does homeowners insurance cover a barn near Anderson, TX?
Usually, up to a limit. Most home policies cover other structures, such as a barn, at 10 percent of the house’s insured value, according to TDI. A barn’s use still matters, and families around Anderson, the county seat, have long made a living from livestock, dairy farming, hay and honeybees. Tell us whether yours holds personal belongings, farm equipment, hay or business property, and we can review whether added coverage or a separate policy fits.
Farms in Grimes County hold machinery and equipment valued at $157.4 million (2022 Census of Agriculture); a barn's contents can be worth more than the building.
Does personal auto insurance cover a work pickup in Plantersville or Todd Mission, TX?
It depends on how the pickup is used and what your policy allows. Farm Road 1774 runs from Plantersville, at State Highway 105, seven miles south to Todd Mission, so tell us the roads you drive, who drives, what you carry, and whether you make deliveries or use the truck for farm or business work. We can review whether your personal auto policy fits or whether you need commercial auto insurance.
TxDOT logged 72 crashes involving a commercial vehicle in Grimes County in 2025; a pickup used for paid work is rated on its work use, not on household use.
Where can I check flood information for a Grimes County property?
Start with the property’s exact address in FEMA’s Flood Map Service Center. For development or permit questions outside city limits, contact the Grimes County floodplain administrator; inside city limits, check with the city. Most homeowners policies do not cover flood damage, so ask us about flood insurance separately.
Can you help insure a business in Navasota, TX?
Yes. Tell us what your business does, where it operates, how many people work for you, the vehicles you use and any lease or contract requirements. We can compare business insurance options, including general liability, commercial property, commercial auto, workers compensation and business owners policies, and explain what each one covers. If you run it from home, TDI explains what insurance you may need to run a business from home.
Does homeowners insurance cover a mobile home in Grimes 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.
What should I do if a storm damages my home or property?
Once everyone is safe, report the damage to your insurance company as soon as possible. Take photos, make temporary repairs when it is safe to prevent further damage, and keep receipts. Check with your adjuster before making permanent repairs or throwing damaged items away.
Can I buy flood insurance in Bedias, TX?
Not a federal policy inside the city limits. FEMA’s Community Status Book lists Bedias as not taking part in the national flood program, so ask us about private flood coverage there. Land outside the city falls under Grimes County, which takes part. A new flood policy usually takes effect 30 days after you buy it, and we can go over your flood options.
Local businesses in Navasota, TX
Businesses you may need after a claim, a move, a purchase or a repair, by category.
For the county tax office, appraisal district, sheriff and police records, see Grimes County offices.
Next step
Let’s talk about your insurance in Navasota, TX
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 policies, if you have them
- The addresses and vehicles you want to discuss
- How buildings, land, or vehicles are used
- The question you most want answered




