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Home Insurance in Crandall, TX
FEMA rates hail and tornadoes as the leading natural hazards for Kaufman County. Here is the storm, flood and wind record that shapes home insurance in Crandall.
$5,336/yr
About $445/mo · ~$300k-$400k dwelling class
$3,095/yr
About $258/mo after modeled shopping discount
About 42% below local market estimate
Crandall hazard snapshot
FEMA’s National Risk Index rates overall natural-hazard risk in Kaufman County as relatively low. Among individual perils, the top ratings go to hail (relatively high), tornadoes (relatively moderate) and inland flooding (relatively moderate).
With hail rated relatively high, the roof is the line item to watch: compare wind/hail deductibles and how each carrier settles roof claims.
FEMA rates tornado risk relatively moderate here; adequate dwelling and other-structures limits matter more than any special endorsement.
Inland flood risk is relatively moderate in Kaufman County; heavy rain can flood homes outside mapped zones, and homeowners policies exclude it.
Winter weather is rated relatively moderate in Kaufman County. Burst pipes from a freeze are generally covered, but carriers expect reasonable heat to be maintained.
The Kaufman County storm record, 2016 to 2025
Over the ten years from 2016 to 2025, NOAA recorded 62 hail events across Kaufman County. Stones of one inch or more showed up in 56 of the reports. The top report was 3.5-inch hail on April 20, 2023. Between 2016 and 2025, 4 tornadoes touched down in Kaufman County, topped by an EF2 on May 29, 2019.
There were also 46 damaging-wind reports from thunderstorms, topping out around 81 mph. The same records include 22 flash flood events.
Since 2000, Kaufman County has been included in 7 federal major disaster declarations for natural hazards. The latest declarations were Severe Storms, Straight-line Winds, Tornadoes, and Flooding (2024), Severe Winter Storms (2021) and Severe Winter Storms, Tornadoes, Straight-line Winds, and Flooding (2016).
Windstorm questions for Crandall homes
Wind coverage in Kaufman County stays inside the homeowners policy because the county is outside TWIA’s coastal territory; compare the wind/hail deductible on every quote.
Flood risk and coverage for Crandall
The city takes part in the National Flood Insurance Program, which makes federal flood policies available. The effective FEMA flood map for the community is from January 2023. Across Kaufman County, 227 residential NFIP policies were in force, roughly 1 for every 216 homes. Kaufman County has produced 36 NFIP claims from 2016 on. Flood needs its own policy, and buying one right before a storm will not help because of the usual 30-day wait.
You can check your flood zone by address at the FEMA Flood Map Service Center.
How Crandall homes are built and valued
Half of the housing in Crandall dates from 2002 or earlier, per Census estimates. The split is roughly 13% pre-1980 construction versus 53% built from 2000 on. Owners in Crandall put the median value of their homes at $303,000. That is close to the Kaufman County median of $320,900. A home’s market value is a starting point only; the dwelling limit should reflect labor and materials to rebuild it at today’s prices.
Local records and contacts for Crandall
The county for Crandall is Kaufman County. The Dallas-Fort Worth-Arlington metro reaches out to include Kaufman County. Crandall lies southeast of Mesquite, around 12 miles away in a straight line.
Contact details for the Kaufman County appraisal district are listed in the Texas Comptroller’s Kaufman County directory. Its office is at 3950 S. Houston St. Kaufman, TX 75142-3718. Crandall is covered by the NWS Fort Worth/Dallas, TX forecast office, which issues local watches and warnings. The radar the weather service assigns to this point is KFWS.
FAQ: Crandall storm and flood coverage
What does the hail record look like near Crandall?
From 2016 through 2025, NOAA logged 62 hail reports in Kaufman County, 56 of them with stones an inch or larger. FEMA’s National Risk Index rates the county’s hail risk relatively high. Impact-resistant roofing and a deductible you can afford are the two levers worth discussing with an agent.
Do I have to carry homeowners insurance in Crandall?
Only your lender can require it; Texas itself does not. If the home is paid off, the choice is yours, but one serious storm or fire can cost far more than years of premiums.
Do I need separate flood insurance in Crandall?
Homeowners policies exclude flood, so it takes a separate NFIP or private flood policy. Crandall participates in the National Flood Insurance Program, and its current flood map took effect in January 2023. Only about 1 in 216 Kaufman County homes carries NFIP coverage. Buy early, because NFIP coverage generally starts 30 days after purchase.
Does TWIA cover homes in Crandall?
No. TWIA only writes in the 14 first-tier coastal counties and part of Harris County, and Kaufman County is not among them. Your homeowners carrier covers wind and hail.
Ready to price your Crandall home?
Compare carriers with Texas Insurance Resources. Call 800-875-4711 or request a quote online.
Where the Crandall numbers come from
Data reflects the most recent releases available in October 2026; survey figures carry margins of error. Premium figures in the estimate cards are illustrative models, not quotes.
- NFIP Community Status Book
- Census CBSA delineation
- Census Gazetteer coordinates
- OpenFEMA flood insurance data, Kaufman County
- Texas property tax directory, Kaufman County
- Census ACS 2020–2024, Crandall city: home value, year built, population, structure type, tenure, median year built
- FEMA disaster declarations, Kaufman County
- NWS Fort Worth/Dallas, TX
- TWIA coverage area
- NOAA Storm Events Database, Kaufman County
- Benchmarks: Kaufman County value, Kaufman County build year
- FEMA National Risk Index, Kaufman County
- Comptroller 2024 regions