Home Insurance in Kress, Texas
The median home value in Kress is $87,600, close to the Swisher 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 Kress was built around 1965. About 27% of homes were built before 1960, about 19 points below Swisher County's 47%.
Housing in Kress breaks down to 98% single-family homes.
In Kress, about 33% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Kress has an owner-occupancy rate of 88% and a vacancy rate of 14%; unoccupied homes typically need a different coverage form.
In Kress, 76% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Kress? FEMA's National Risk Index points to hail (Relatively High) in Swisher County and Swisher County had 12 active NFIP flood policies as of September 2026. See the full Swisher 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).
1 licensed insurance agencies are listed for this area.
Key figures
| Median home value | $87,600 |
|---|---|
| Median year built | 1965 |
| Owner-occupied share | 88% |
| Share of owner-occupied homes with a mortgage | 33% |
| Top county hazard | Hail (Relatively High) |
| Active NFIP policies in Swisher County | 12 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Licensed insurance agencies in Kress
- JOLLY INSURANCE AGENCY, LLC, Kress (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)