Home Insurance in Oak Grove, Texas
With a median home value of $276,700, Oak Grove is 14% lower than the Kaufman County median.
The typical home in Oak Grove was built around 1978. About 35% of homes were built before 1960, about 29 points above Kaufman County's 6%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Oak Grove, the housing stock is 100% single-family homes.
About 60% of owner-occupied homes in Oak Grove have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Oak Grove has an owner-occupancy rate of 92% and a vacancy rate of 6%; unoccupied homes typically need a different coverage form.
94% of homes in Oak Grove are primarily heated with electricity.
Kaufman County had 240 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hail (Relatively High). 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.
Key figures
| Median home value | $276,700 |
|---|---|
| Median year built | 1978 |
| Owner-occupied share | 92% |
| Share of owner-occupied homes with a mortgage | 60% |
| 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)