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Home Insurance in Mauriceville, TX
Half of the homes in Mauriceville were built in 1996 or earlier. Here is how the local housing stock shapes coverage and price.
Mauriceville homes at a glance
The owner-occupancy rate is around 70%, and roughly 58% of all units are stand-alone single-family homes. With mobile and manufactured homes at roughly 34% of housing, it is worth knowing that many carriers write them on dedicated policies with different wind and hail terms.
Older, newer and in between: Mauriceville homes
Half of the housing in Mauriceville dates from 1996 or earlier, per Census estimates. Roughly 23% of the housing stock predates 1980 and 41% is from 2000 onward. For homes in this age range, carriers mostly focus on the roof: its age, material and any prior hail repairs.
$6,146/yr
About $512/mo · ~$300k-$400k dwelling class
$3,774/yr
About $314/mo after modeled shopping discount
About 38.6% below local market estimate
Market value versus rebuild cost in Mauriceville
Census data shows a median home value of $179,600 in Mauriceville. Orange County as a whole is in the same range, at $173,400. Market value includes land and location, so it is not the same as the cost to rebuild; insure the dwelling to a replacement-cost estimate instead.
Coverage A through F for a Mauriceville home
Covers the house. Lenders require it, and it is the base that percentage deductibles are calculated from.
Fences and outbuildings. The default limit is often a percentage of Coverage A, which can be too low on larger lots.
Furniture, clothing and electronics. Replacement-cost settlement pays more than actual cash value after a loss.
Loss of use. After a large storm, contractor backlogs can stretch repairs, so this limit matters.
Covers your legal liability for injuries or damage to others; an umbrella policy can extend it.
No-fault medical payments for visitors, usually a few thousand dollars.
Storm and flood context for Mauriceville
The National Risk Index from FEMA scores Orange County as relatively moderate for combined natural-hazard risk. The highest-rated individual hazards are hurricanes (relatively high), lightning (relatively high) and ice storms (relatively high). Hail turned up 8 times in Orange County in NOAA’s database between 2016 and 2025. Quarter-size or larger stones, an inch and up, appear in 7 of them. On January 20, 2017, observers reported hail as large as 1.75 inches.
There is no TWIA option in Orange County, so the homeowners carrier handles wind and hail, and its deductible for those perils can differ from the all-other-perils deductible. You can check your flood zone by address at the FEMA Flood Map Service Center.
Records to check before you quote
Insurers often check the appraisal district record, so confirm that what the Orange district shows at www.orangecad.net matches your home. Its office is at 9157 IH-10 E. Orange, TX 77630.
Mauriceville is in Orange County. The federal delineation treats Orange County as part of the wider Beaumont-Port Arthur metro, on its outer ring. The nearest bigger city is Beaumont, about 19 miles from Mauriceville as the crow flies.
Common questions from Mauriceville homeowners
Are most homes in Mauriceville old or new?
Census estimates put the median build year at 1996, with about 23% of homes older than 1980. Expect carriers to ask about roof age and any past hail repairs.
How do I check what the appraisal district has on file for my Mauriceville home?
The Orange appraisal district website (www.orangecad.net) lists square footage, year built and improvements for your property. Have those, plus your roof’s age and material, ready before you compare quotes.
Is home insurance required in Mauriceville?
There is no state requirement. Mortgage contracts, HOA rules and some condo bylaws are what usually make coverage mandatory.
How much dwelling coverage do Mauriceville homes need?
Enough to rebuild, which is not the same as market value. Census data puts the Mauriceville median at $179,600, but your dwelling limit should equal what it would cost to rebuild the house at today’s labor and material prices.
Get a Mauriceville home insurance quote
Compare carriers with Texas Insurance Resources. Call 800-875-4711 or request a quote online.
Where the Mauriceville numbers come from
Figures were retrieved in October 2026 and are estimates with margins of error. Price estimates near the top are Texas Insurance Resources models for comparison, not quotes or published averages.
- TWIA coverage area
- Benchmarks: Orange County value, Orange County build year
- Texas property tax directory, Orange County
- NOAA Storm Events Database, Orange County
- Census metro delineation
- Gazetteer (Census)
- Comptroller 2024 regions
- National Risk Index (FEMA), Orange County
- Census Bureau ACS five-year data, Mauriceville CDP: home value, tenure, median year built, population, structure type, year built