Home Insurance in Forney, Texas
Homes in Forney carry a median value of $346,400 - 8% higher than the Kaufman 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 Forney was built around 2010. About 3% of homes were built before 1960, about 3 points below Kaufman County's 6%.
Housing in Forney breaks down to 83% single-family homes, 14% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
In Forney, about 77% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Forney has an owner-occupancy rate of 72% and a vacancy rate of 5%; unoccupied homes typically need a different coverage form.
Most homes in Forney - 53% - 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.
In Texas, the statewide average premium for a standard HO-3 homeowners policy is $2,864 per year (NAIC, 2023 data).
This area lists 19 licensed insurance agencies.
Key figures
| Median home value | $346,400 |
|---|---|
| Median year built | 2010 |
| Owner-occupied share | 72% |
| Share of owner-occupied homes with a mortgage | 77% |
| 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 Forney
- ALMASURE INSURANCE & CLAIM CONSULTING LLC, Forney (General Lines Agency)
- AMERICA'S INSURANCE SOLUTION INC, Forney (General Lines Agency)
- BERMUDA INSURANCE AGENCY INC, Forney (General Lines Agency)
- BRIAN T HAUGHEY, LLC, Forney (General Lines Agency)
- BROWNING INSURANCE, LLC, Forney (General Lines Agency)
- DOMINGUEZ FINANCIAL LLC, Forney (General Lines Agency)
- DREAM HOMES PROPERTY INVESTMENTS, INC., Forney (General Lines Agency)
- FLYING V RISK MANAGEMENT, LLC, Forney (General Lines Agency)
- FORNEY INSURANCE SERVICES INC, Forney (General Lines Agency)
- KEVIN S WARREN, LLC, Forney (General Lines Agency)
- LEMIEUX INSURANCE AGENCY LLC, Forney (General Lines Agency)
- MOONEY INSURANCE AGENCY LLC, Forney (General Lines Agency)
- RUSSELL SHAUL INSURANCE AGENCY INC, Forney (General Lines Agency)
- SMITH FINANCIAL AND ASSOCIATES P.C., Forney (General Lines Agency)
- STATON FINANCIAL, INC., Forney (General Lines Agency)
- TEXAS INTEGRITY INSURANCE SOLUTIONS, Forney (General Lines Agency)
- THASTE SERVICES LLC, Forney (General Lines Agency)
- WEBOND LLC, Forney (General Lines Agency)
- YOUR VIRTUAL AGENT, LLC, Forney (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)