Home Insurance in Crandall, Texas
Homes in Crandall carry a median value of $303,000 - 6% lower than the Kaufman County median.
The typical home in Crandall was built around 2002. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 5% of homes were built before 1960, about 1 point below Kaufman County's 6%.
Housing in Crandall breaks down to 93% single-family homes, 7% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
In Crandall, about 51% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Crandall has an owner-occupancy rate of 90% and a vacancy rate of 7%; unoccupied homes typically need a different coverage form.
62% of homes in Crandall are primarily heated with electricity.
FEMA rates Kaufman County's overall risk as Relatively Low, led by hail (Relatively High). Kaufman County had 240 active NFIP flood policies as of September 2026. See the full Kaufman 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).
4 licensed insurance agencies are listed for this area.
Key figures
| Median home value | $303,000 |
|---|---|
| Median year built | 2002 |
| Owner-occupied share | 90% |
| Share of owner-occupied homes with a mortgage | 51% |
| Top county hazard | Hail (Relatively High) |
| Active NFIP policies in Kaufman County | 240 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Licensed insurance agencies in Crandall
- BRETT HENSLEY INSURANCE AND FINANCIAL SERVICES INC, Crandall (General Lines Agency)
- BRETT HENSLEY INSURANCE AND FINANCIAL SERVICES INC, Crandall (Pers Lines Prop and Cas Agency)
- MYC INSURANCE SOLUTIONS LLC, Crandall (General Lines Agency)
- SHANNON BARNETT INSURANCE AGENCY, LLC, Crandall (General Lines Agency)
Data source: Texas Department of Insurance - licensed agencies, https://data.texas.gov/d/3yqc-fcdt
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)
- Texas Department of Insurance - licensed agencies (2026)