Home Insurance in Oak Ridge, Texas
Homes in Oak Ridge carry a median value of $335,500 - close to the Kaufman County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Oak Ridge was built around 2003. About 12% of homes were built before 1960, about 6 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 Oak Ridge is 95% single-family homes and 5% mobile or manufactured homes.
In Oak Ridge, about 77% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Oak Ridge has an owner-occupancy rate of 90% and a vacancy rate of 2%; unoccupied homes typically need a different coverage form.
In Oak Ridge, 90% of homes 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.
In Texas, the statewide average premium for a standard HO-3 homeowners policy is $2,864 per year (NAIC, 2023 data).
Key figures
| Median home value | $335,500 |
|---|---|
| Median year built | 2003 |
| Owner-occupied share | 90% |
| Share of owner-occupied homes with a mortgage | 77% |
| 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)