Home Insurance in Scurry, Texas
With a median home value of $282,700, Scurry is 12% lower than the Kaufman County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Scurry was built around 2001. About 8% of homes were built before 1960, about 2 points above Kaufman County's 6%.
The housing stock in Scurry is 75% single-family homes and 21% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 55% of owner-occupied homes in Scurry have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Scurry has an owner-occupancy rate of 75% and a vacancy rate of 12%; unoccupied homes typically need a different coverage form.
In Scurry, 75% of homes are primarily heated with electricity.
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.
In Texas, the statewide average premium for a standard HO-3 homeowners policy is $2,864 per year (NAIC, 2023 data).
4 licensed insurance agencies serve this area.
Key figures
| Median home value | $282,700 |
|---|---|
| Median year built | 2001 |
| Owner-occupied share | 75% |
| Share of owner-occupied homes with a mortgage | 55% |
| 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 Scurry
- BOBBY RENEAU AGENCY, LTD, Scurry (General Lines Agency)
- LEGACY ADVANTAGE INSURANCE AGENCY, LLC, Scurry (General Lines Agency)
- NORTHWEST INSURANCE AGENCY GROUP, LLC, Scurry (General Lines Agency)
- RENEAU & RENEAU ENTERPRISES, LLC, Scurry (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)