Home Insurance in Post Oak Bend, Texas
The median home value in Post Oak Bend is $391,700, 22% higher than the Kaufman County median.
The typical home in Post Oak Bend was built around 2002. About 0% of homes were built before 1960, about 6 points below Kaufman County's 6%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Post Oak Bend, the housing stock is 98% single-family homes and 2% mobile or manufactured homes.
About 64% of owner-occupied homes in Post Oak Bend have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 91% of occupied homes in Post Oak Bend are owner-occupied.
Most homes in Post Oak Bend - 83% - 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.
What's the biggest home insurance risk near Post Oak Bend? 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.
Key figures
| Median home value | $391,700 |
|---|---|
| Median year built | 2002 |
| Owner-occupied share | 91% |
| Share of owner-occupied homes with a mortgage | 64% |
| 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)