Interesting that you bring this up. I don't know the answer, but I'll be 29 this year and have just recently started getting some gray hairs. The most prominent are two gray patches right over my temples.
There is a pretty large concentration of veins/arteries - 1 that come up around the temple, so that could be related to the frequency of graying starting there.
1- https://www.gettyimages.com/detail/news-photo/superficial-ar...