Home Insurance in Kaufman, Texas
The median home value in Kaufman is $221,800, 31% lower than the Kaufman County median.
The typical home in Kaufman was built around 1976. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 13% of homes were built before 1960, about 7 points above Kaufman County's 6%.
The housing stock in Kaufman is 72% single-family homes, 13% apartments in buildings with 5+ units and 3% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Kaufman, about 53% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 9%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 47% of occupied homes in Kaufman are owner-occupied.
54% of homes in Kaufman 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 5 licensed insurance agencies.
Key figures
| Median home value | $221,800 |
|---|---|
| Median year built | 1976 |
| Owner-occupied share | 47% |
| Share of owner-occupied homes with a mortgage | 53% |
| 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 Kaufman
- HAPPY AGENT AGENCY LLC, Kaufman (General Lines Agency)
- JASIEN INSURANCE GROUP, LLC, Kaufman (General Lines Agency)
- KAUFMAN CARDOZAS INSURANCE AND TAX LLC, Kaufman (General Lines Agency)
- ROWDEN HENDRICKSON SHIPLEY & RYMER INC, Kaufman (General Lines Agency)
- TOBY KITCHENS INC., Kaufman (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)