Home Insurance in Mabank, Texas
The median home value in Mabank is $254,900, 21% 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 Mabank was built around 2002. About 3% of homes were built before 1960, about 4 points below Kaufman County's 6%.
The housing stock in Mabank is 64% single-family homes, 12% apartments in buildings with 5+ units and 3% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
About 52% of owner-occupied homes in Mabank have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 44% of occupied homes in Mabank are owner-occupied. The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Mabank, 90% of homes are primarily heated with electricity.
What's the biggest home insurance risk near Mabank? FEMA's National Risk Index points to hail (Relatively High) in Kaufman County and 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.
5 licensed insurance agencies are listed for this area.
Key figures
| Median home value | $254,900 |
|---|---|
| Median year built | 2002 |
| Owner-occupied share | 44% |
| Share of owner-occupied homes with a mortgage | 52% |
| 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 Mabank
- ELITE PARTNERS INSURANCE GROUP LLC, Mabank (General Lines Agency)
- FOLSOM INSURANCE AGENCY LLC, Mabank (General Lines Agency)
- MCAFEE INSURANCE AGENCY INC, Mabank (General Lines Agency)
- MOSELEY GROOM AND ASSOCIATES, INC., Mabank (General Lines Agency)
- RICHIE GRUVER LLC, Mabank (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)