Home Insurance in Kirvin, Texas
With a median home value of $116,100, Kirvin is 31% lower than the Freestone County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Kirvin was built around 1991. About 3% of homes were built before 1960, about 13 points below Freestone County's 16%.
The housing stock in Kirvin is 52% single-family homes and 48% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
11% of owner-occupied homes in Kirvin carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Kirvin has an owner-occupancy rate of 79% and a vacancy rate of 27%; unoccupied homes typically need a different coverage form.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Kirvin, 92% of homes are primarily heated with electricity.
FEMA rates Freestone County's overall risk as Relatively Low, led by tornado (Relatively Moderate). Freestone County had 35 active NFIP flood policies as of September 2026. See the full Freestone County home insurance overview for all FEMA hazard ratings and flood coverage details.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Texas carries a statewide average premium of $2,864 per year.
Key figures
| Median home value | $116,100 |
|---|---|
| Median year built | 1991 |
| Owner-occupied share | 79% |
| Share of owner-occupied homes with a mortgage | 11% |
| Top county hazard | Tornado (Relatively Moderate) |
| Active NFIP policies in Freestone County | 35 |
| 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)