Home Insurance in Kemp, Texas
The median home value in Kemp is $168,100, 48% lower than the Kaufman County median.
The typical home in Kemp was built around 1977. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 23% of homes were built before 1960, about 16 points above Kaufman County's 6%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Kemp is 85% single-family homes and 4% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
In Kemp, about 33% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Kemp has an owner-occupancy rate of 73% and a vacancy rate of 15%; unoccupied homes typically need a different coverage form.
Most homes in Kemp - 57% - are primarily heated with electricity. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
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.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Texas carries a statewide average premium of $2,864 per year.
3 licensed insurance agencies serve this area.
Key figures
| Median home value | $168,100 |
|---|---|
| Median year built | 1977 |
| Owner-occupied share | 73% |
| Share of owner-occupied homes with a mortgage | 33% |
| 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 Kemp
- MERRITT INSURANCE SERVICES LLC, Kemp (General Lines Agency)
- PAMELA J MANN INC, Kemp (General Lines Agency)
- TOTAL SHIELD INSURANCE SERVICES LLC, Kemp (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)