Home Insurance in Grays Prairie, Texas
The median home value in Grays Prairie is $300,000, 7% lower than the Kaufman County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Grays Prairie was built around 1993. About 1% of homes were built before 1960, about 5 points below Kaufman County's 6%.
The housing stock in Grays Prairie is 71% single-family homes and 29% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 57% of owner-occupied homes in Grays Prairie have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 84% of occupied homes in Grays Prairie are owner-occupied. The vacancy rate is 5%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 88% of homes in Grays Prairie are primarily heated with electricity.
Kaufman County's top FEMA-rated hazard is hail (Relatively High), per FEMA's National Risk Index. 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).
Key figures
| Median home value | $300,000 |
|---|---|
| Median year built | 1993 |
| Owner-occupied share | 84% |
| Share of owner-occupied homes with a mortgage | 57% |
| Top county hazard | Hail (Relatively High) |
| Active NFIP policies in Kaufman County | 240 |
| 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)