Home Insurance in Terrell, Texas
Homes in Terrell carry a median value of $218,500 - 32% lower than the Kaufman County median.
The typical home in Terrell was built around 1984. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 23% of homes were built before 1960, about 17 points above Kaufman County's 6%.
Housing in Terrell breaks down to 72% single-family homes, 13% apartments in buildings with 5+ units and 3% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
About 61% of owner-occupied homes in Terrell have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Terrell has an owner-occupancy rate of 59% and a vacancy rate of 5%; unoccupied homes typically need a different coverage form.
65% of homes in Terrell are primarily heated with electricity.
FEMA rates Kaufman County's overall risk as Relatively Low, led by hail (Relatively High). 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.
The statewide average premium for a standard HO-3 homeowners policy in Texas is $2,864 per year, according to the NAIC homeowners insurance report (2023 data).
8 licensed insurance agencies are listed for this area.
Key figures
| Median home value | $218,500 |
|---|---|
| Median year built | 1984 |
| Owner-occupied share | 59% |
| Share of owner-occupied homes with a mortgage | 61% |
| 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 Terrell
- AKINS INSURANCE AGENCY, LLC, Terrell (General Lines Agency)
- GROOM INSURANCE AGENCY INC, Terrell (General Lines Agency)
- INSURANCE SOLUTIONS - THE RWGM FAMILY INS. AGENCY INC, Terrell (General Lines Agency)
- LEGACY INSURANCE GROUP OF TEXAS LLC, Terrell (General Lines Agency)
- MONDRAGON INSURANCE & SERVICES LLC, Terrell (General Lines Agency)
- RW INSURANCE SERVICES INC, Terrell (General Lines Agency)
- SHERRY BROWN INSURANCE AGENCY LLC, Terrell (General Lines Agency)
- VTK TECH LLC, Terrell (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)