Home Insurance in Kent County, Texas
With a median home value of $122,200, Kent County is 57% lower than the Texas median.
The typical home in Kent County was built around 1973. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 33% of homes were built before 1960, about 21 points above Texas's 12%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Kent County is 82% single-family homes and 17% mobile or manufactured homes.
20% of owner-occupied homes in Kent County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 41%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 79% of occupied homes in Kent County are owner-occupied.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 71% of homes in Kent County are primarily heated with electricity.
The top hazards for Kent County, per FEMA's National Risk Index, are wildfire (Relatively Low), hail (Relatively Low) and tornado (Very Low).
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. Kent County has no active NFIP flood policies on file.
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 | $122,200 |
|---|---|
| Median year built | 1973 |
| Owner-occupied share | 79% |
| Share of owner-occupied homes with a mortgage | 20% |
| Top hazards (FEMA National Risk Index) | Wildfire (Relatively Low), Hail (Relatively Low), Tornado (Very Low) |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)