HomeInsuranceQts

Home Insurance in Kaufman County, Texas

With a median home value of $320,900, Kaufman County is 13% higher than the Texas median.

The typical home in Kaufman County was built around 2005. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 6% of homes were built before 1960, about 6 points below Texas's 12%.

In Kaufman County, the housing stock is 80% single-family homes, 6% apartments in buildings with 5+ units and 11% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.

In Kaufman County, about 64% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.

Kaufman County has an owner-occupancy rate of 78% and a vacancy rate of 6%; unoccupied homes typically need a different coverage form.

65% of homes in Kaufman County are primarily heated with electricity.

Per FEMA's National Risk Index, Kaufman County's top hazards are hail (Relatively High), tornado (Relatively Moderate) and wildfire (Relatively Low).

Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Kaufman County has 240 active NFIP flood policies on file.

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).

49 licensed insurance agencies are listed for this area.

Key figures

Median home value$320,900
Median year built2005
Owner-occupied share78%
Share of owner-occupied homes with a mortgage64%
Top hazards (FEMA National Risk Index)Hail (Relatively High), Tornado (Relatively Moderate), Wildfire (Relatively Low)
Active NFIP flood policies (county)240
Home insurance premium$2,864 - statewide average (NAIC, 2023 data)

Towns and cities

Licensed insurance agencies in Kaufman County

Data source: Texas Department of Insurance - licensed agencies, https://data.texas.gov/d/3yqc-fcdt

Sources