Home Insurance in Kurten, Texas
The median home value in Kurten is $190,600, 36% lower than the Brazos County median.
The typical home in Kurten was built around 1986. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 12% of homes were built before 1960, about 6 points above Brazos County's 7%.
The housing stock in Kurten is 71% single-family homes and 28% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
48% of owner-occupied homes in Kurten carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Kurten has an owner-occupancy rate of 91% and a vacancy rate of 6%; unoccupied homes typically need a different coverage form.
Most homes in Kurten - 74% - are primarily heated with electricity. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA rates Brazos County's overall risk as Relatively Moderate, led by tornado (Relatively High). Brazos County had 1,344 active NFIP flood policies as of September 2026. See the full Brazos County home insurance overview for all FEMA hazard ratings and flood coverage details.
In Texas, the statewide average premium for a standard HO-3 homeowners policy is $2,864 per year (NAIC, 2023 data).
Key figures
| Median home value | $190,600 |
|---|---|
| Median year built | 1986 |
| Owner-occupied share | 91% |
| Share of owner-occupied homes with a mortgage | 48% |
| Top county hazard | Tornado (Relatively High) |
| Active NFIP policies in Brazos County | 1,344 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Nearby towns
Sources
Data last updated: 2026-09-29
- U.S. Census Bureau Gazetteer Files (2024)
- U.S. Census Bureau, American Community Survey 2020-2024 5-Year Estimates (2024)
- FEMA National Risk Index (December 2025)
- FEMA OpenFEMA NFIP Redacted Policies v3 (2026)
- NAIC Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owners Insurance: Data for 2023 (published 2026) (2023)