Home Insurance in Kennard, Texas
The median home value in Kennard is $105,000, 36% lower than the Houston County median.
The typical home in Kennard was built around 1974. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 14% of homes were built before 1960, about 3 points below Houston County's 18%.
The housing stock in Kennard is 60% single-family homes and 40% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
46% of owner-occupied homes in Kennard carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 55%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 62% of occupied homes in Kennard are owner-occupied.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 67% of homes in Kennard are primarily heated with electricity.
Houston County had 72 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is wildfire (Relatively Low). See the full Houston County home insurance overview for all FEMA hazard ratings and flood coverage details.
The statewide average premium for a standard HO-3 homeowners policy in Texas is $2,864 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $105,000 |
|---|---|
| Median year built | 1974 |
| Owner-occupied share | 62% |
| Share of owner-occupied homes with a mortgage | 46% |
| Top county hazard | Wildfire (Relatively Low) |
| Active NFIP policies in Houston County | 72 |
| 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)