Serving Houston County, Texas
Insurance for Crockett, Lovelady & Houston County, Texas
Compare personal and business insurance from the companies we represent to find coverage that best fits your needs and budget.
- Serving
- Crockett (75835), Lovelady (75851), Grapeland (75844) and rural communities throughout Houston 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
Farm & ranch
Land & agricultural use
Discuss your land, buildings, livestock, equipment and agricultural activities.
In Houston County1,411 farms, 29 percent under 50 acres; 108,126 cattle and calves (Census of Agriculture 2022).
Home
Your home & buildings
Review your home, belongings, other buildings and property use.
In Houston County18 percent of homes are manufactured; 52 percent of Crockett households rent (ACS 2020 to 2024).
Auto
Household vehicles
Review your vehicles, drivers and personal or work use.
In Houston County358 crashes in Houston County in 2025, 31 of them involving a commercial vehicle (TxDOT).
Business
Your business
Review your business property, operations, employees and contract requirements.
In Houston County360 businesses with employees, including 6 trucking companies and 5 plumbing, heating and air 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
Houston County
Local research & insurance insights
Crockett, Lovelady, Grapeland & unincorporated county
Houston County flood-map status
FEMA’s countywide flood maps took effect April 4, 2011, and FEMA’s Texas data table dated October 31, 2025 shows no preliminary maps for the county.
- The National Flood Insurance Program had about 72 policies in force in Houston County as of September 2026, covering about $17.2 million; 28 claims since 1978 have paid about $383,000. Most of that claim history sits in ZIP 75835 (Crockett).
- About 6 percent of the 235 homes inside the county's mapped high-risk zones carry a flood policy.
- Latexo 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 flood hazard data tables for Texas
OpenFEMA flood policy and claim data (as of September 8, 2026)
Crockett, Lovelady, Grapeland & 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.
Houston County · 2019 to 2024 records
Tornadoes, storm declarations and home repairs
NWS surveys confirmed three tornadoes in Houston County on April 13, 2019, including an EF-2 at Lovelady and an EF-3 that began northeast of Crockett, and an EF-2 tornado that ended just north of Crockett on March 21, 2022. FEMA’s May 2024 storm declaration named the county for public assistance only.
After repairs, share work dates, invoices, unfinished work and changes in occupancy or building use.
- National Weather Service records for 2016 to 2025 list 6 tornadoes in Houston County (strongest EF3), hail of 1.75 inches or larger on 4 days, a peak thunderstorm gust of 85 mph, 7 flash floods and 3 winter or ice storms.
- FEMA's National Risk Index, a model rather than a claims record, puts Houston County's largest expected building losses on hurricane (relatively low) and tornado (relatively low); it rates hail very low and wildfire relatively low.
Sources checked .
Plain answers
Houston County insurance questions
Can you compare insurance companies in Crockett, TX?
Yes. As an independent agency, we compare options from more than one insurance company for farm and ranch, home, auto and business 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 Crockett, Lovelady, Grapeland or anywhere in Houston County, TX.
Do I need farm insurance for my land in Houston 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. Houston County offers a 911 addressing service if a rural property needs a street address.
Should leased land and off-site equipment be included?
Yes. For a farm and ranch insurance review, tell us which locations you own or lease, how the land is used, and where equipment is kept or operated. Include any lease or lender requirements you want reviewed.
Farms in Houston County hold machinery and equipment valued at $145 million (2022 Census of Agriculture); a barn's contents can be worth more than the building.
Can you review a business operated from my home?
Yes. Describe the work, tools or inventory, customer visits and any employees. We can discuss the home and business insurance needs together and identify the policy questions raised by each use.
Of Houston County's 360 businesses with employees, 52 percent have one to four workers (Census County Business Patterns, 2023), the size most home-based business reviews involve.
What vehicle information helps with a quote?
Start an auto insurance review with the vehicles, drivers, garaging locations and uses. Tell us about deliveries, hauling, employees driving or work for others so the review reflects how the vehicles are actually used.
As of August 31, 2026, about 9.1 percent of the vehicles registered in Houston County could not be matched to an insurance policy in the state's TexasSure database, one reason we review uninsured motorist coverage on every auto quote.
Does homeowners insurance cover a mobile home in Houston 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.
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 Houston 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 summary, if available, and the date you need coverage.
- The address or specific location of each property, how buildings are used, and where vehicles are kept.
- Vehicles, drivers and equipment relevant to your request.
- Business activities, employees and work locations, if applicable.
- Owned and leased acreage, equipment kept at other locations, and any lender or contract requirements.