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Home Insurance in Mabank, TX
How Mabank homes and hazards compare with Kaufman County and Texas as a whole, and what the differences mean for your policy.
$5,370/yr
About $448/mo · ~$300k-$400k dwelling class
$3,431/yr
About $286/mo after modeled shopping discount
About 36.1% below local market estimate
How Mabank homes compare
| Measure | Mabank | Kaufman County | Texas |
|---|---|---|---|
| Median home value | $254,900 | $320,900 | $283,800 |
| Median year built | 2002 | 2005 | 1992 |
| Owner-occupied homes | 44% | 78% | 63% |
| Single-family detached | 64% | 79% | 64% |
| Built before 1980 | 27% | 17% | 33% |
| Built 2000 or later | 54% | 61% | 39% |
| Manufactured homes | 3% | 11% | 6% |
By median build year, Mabank (2002) and Kaufman County (2005) are similar. 44% of occupied homes are owner-occupied in Mabank, below the Kaufman County share of 78%. Manufactured homes are less common in Mabank (3% of units) than across Kaufman County (11%).
The typical owner-occupied home in Mabank is valued at about $254,900. That is below the Kaufman County median of $320,900. Sale prices and rebuild costs can diverge in either direction, which is why carriers run their own replacement-cost estimate for the dwelling limit.
Hazard ratings for Kaufman County
| Hazard | FEMA NRI rating | NOAA reports, 2016–2025 |
|---|---|---|
| Hail | Relatively High | 62 hail reports |
| Tornadoes | Relatively Moderate | 4 tornadoes |
| Strong wind | Relatively Low | 46 thunderstorm wind reports |
| Inland flooding | Relatively Moderate | 22 flash floods |
| Hurricanes | Very Low | – |
| Wildfire | Relatively Low | – |
| Winter weather | Relatively Moderate | – |
| Drought | Relatively Low | – |
| Lightning | Relatively Low | – |
In FEMA’s National Risk Index, Kaufman County carries an overall rating of relatively low. Its leading hazards, by rating, are hail (relatively high), tornadoes (relatively moderate) and inland flooding (relatively moderate).
Since 2000, Kaufman County has been included in 7 federal major disaster declarations for natural hazards. The most recent include Severe Storms, Straight-line Winds, Tornadoes, and Flooding (2024), Severe Winter Storms (2021) and Severe Winter Storms, Tornadoes, Straight-line Winds, and Flooding (2016).
Coverage takeaways for Mabank
- TWIA does not write in Kaufman County; wind and hail claims go through your regular homeowners policy, which may carry its own wind/hail deductible.
- Because Mabank is an NFIP participating community, homeowners can buy National Flood Insurance Program coverage. The effective FEMA flood map for the community is from July 2012. Flood coverage is far from universal: 227 residential NFIP policies in Kaufman County, or about 1 per 216 homes. NFIP records show 36 flood claims in the county since 2016. A homeowners policy will not pay for rising water; flood is a separate policy, and NFIP coverage typically takes 30 days to begin.
- Line up every home in Mabank by age and the one in the middle was built in 2002. 54% of local homes are from 2000 or later, compared with 27% built before 1980. A young housing stock usually means modern code compliance, which can help with rates; HOA rules and builder warranties may still shape what you need.
Contacts for Mabank homeowners
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. The NWS Fort Worth/Dallas, TX office handles forecasts and storm warnings for Mabank. Radar coverage comes from the KFWS site.
Most of Mabank lies in Kaufman County, and the city limits also reach into Henderson County. Kaufman County belongs to the Dallas-Fort Worth-Arlington metropolitan area as an outlying county. Head about 38 miles from Mabank and you reach Mesquite, the nearest larger city.
FAQ: Mabank home insurance
How risky is Kaufman County for natural hazards?
Kaufman County is rated relatively low overall in FEMA’s National Risk Index. Its standout hazards are hail (relatively high), tornadoes (relatively moderate) and inland flooding (relatively moderate). Use that list to decide where higher limits or a lower deductible are worth the premium.
Is home insurance required in Mabank?
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.
Can I get competitive quotes in Mabank from carriers outside the area?
Yes. Pricing depends on your address and home, not the agent’s office. Whether you are in Mabank or Mesquite, about 38 miles away, an independent agency can shop multiple carriers remotely.
What is a typical savings range when switching?
On this page we model a 36.1% gap between the local market estimate and our estimate for Mabank. It is not a quote, and actual savings can be higher, lower or zero.
Request a Mabank homeowners quote
Texas Insurance Resources shops multiple carriers for you. Call 800-875-4711 or start online.
Data sources and notes
Figures were retrieved in October 2026 and are estimates with margins of error. The two price cards are modeled estimates from Texas Insurance Resources, not quotes.
- Comptroller economic regions
- FEMA NRI county ratings, Kaufman County
- OMB metro and micro areas
- Gazetteer (Census)
- NWS Fort Worth/Dallas, TX
- Texas property tax directory, Kaufman County
- Comparison figures: Kaufman County value, Kaufman County build year, Texas value
- Census ACS 2020–2024, Mabank town: population, structure type, median year built, tenure, home value, year built
- OpenFEMA NFIP data, Kaufman County
- FEMA declared disasters, Kaufman County
- TWIA coverage area
- NOAA Storm Events Database, Kaufman County
- NFIP Community Status Book