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Home Insurance in Terrell, TX
Side-by-side numbers for Terrell, Kaufman County and the state, covering housing, hazards and flood insurance.
$4,760/yr
About $397/mo · ~$300k-$400k dwelling class
$2,980/yr
About $248/mo after modeled shopping discount
About 37.4% below local market estimate
Terrell, Kaufman County and Texas side by side
| Measure | Terrell | Kaufman County | Texas |
|---|---|---|---|
| Median home value | $218,500 | $320,900 | $283,800 |
| Median year built | 1984 | 2005 | 1992 |
| Owner-occupied homes | 59% | 78% | 63% |
| Single-family detached | 70% | 79% | 64% |
| Built before 1980 | 44% | 17% | 33% |
| Built 2000 or later | 35% | 61% | 39% |
| Manufactured homes | 3% | 11% | 6% |
The housing stock in Terrell is older than Kaufman County’s overall, by median build year (1984 versus 2005). Owner-occupancy is lower than the county figure (59% versus 78%). Manufactured homes are less common in Terrell (3% of units) than across Kaufman County (11%).
The median owner-estimated home value in Terrell is $218,500. The county-wide figure is higher, at $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.
Kaufman County hazards and storm counts
| 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 | – |
The National Risk Index from FEMA scores Kaufman County as relatively low for combined natural-hazard risk. The highest-rated individual hazards are hail (relatively high), tornadoes (relatively moderate) and inland flooding (relatively moderate).
FEMA has issued 7 natural-hazard major disaster declarations covering Kaufman County since 2000. Recent ones: Severe Storms, Straight-line Winds, Tornadoes, and Flooding (2024), Severe Winter Storms (2021) and Severe Winter Storms, Tornadoes, Straight-line Winds, and Flooding (2016).
Turning the Terrell numbers into coverage choices
- Since Kaufman County is not a TWIA county, look at how your homeowners policy handles wind and hail, including whether that deductible is a flat amount or a percentage of the dwelling limit.
- NFIP flood policies are available in Terrell, a participating community. Its flood map now in force took effect in January 2023. In Kaufman County, roughly 1 home in 216 has federal flood coverage (227 residential policies in force). Policyholders in the county have filed 36 NFIP claims since 2016. Flood needs its own policy, and buying one right before a storm will not help because of the usual 30-day wait.
- According to the Census Bureau, the typical home in Terrell went up around 1984. About 44% of homes went up before 1980, while 35% were built in 2000 or later. Some homes from the late 1970s through the mid-1990s used polybutylene supply lines, a material some insurers ask about during underwriting.
Where to verify Terrell details
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. For local warnings, the responsible National Weather Service office is NWS Fort Worth/Dallas, TX. The associated NEXRAD radar is KFWS.
For county-level data, Terrell falls under Kaufman County. Commuting ties put Kaufman County in the Dallas-Fort Worth-Arlington metro as an outlying county. Terrell lies east of Mesquite, around 17 miles away in a straight line.
Terrell coverage questions
What natural hazards affect Terrell homes most?
Overall, FEMA scores Kaufman County as relatively low. The highest individual ratings are for hail (relatively high), tornadoes (relatively moderate) and inland flooding (relatively moderate). Flood is the one that needs its own policy; the others are generally covered perils with deductibles.
Should I insure my Terrell home for its market value?
Not necessarily. The Census median home value in Terrell is $218,500, but Coverage A should match the cost to rebuild, which excludes land and can be higher or lower than market value. Ask for a replacement-cost estimate based on square footage and finishes.
How much could I save by shopping my Terrell policy?
Our illustrative TX Insurance Resources estimate for Terrell reflects a modeled 37.4% improvement versus the local market anchor. It is an estimate for comparison only; real results vary by home, coverage and carrier.
What coverage do landlords and tenants need in Terrell?
Renters occupy about 41% of homes in Terrell. Landlords generally need a DP-1, DP-2 or DP-3 dwelling policy, and tenants need renters insurance, because the landlord’s policy does not cover a tenant’s belongings.
Get a Terrell home insurance quote
Talk to a licensed Texas Insurance Resources agent at 800-875-4711, or get a quote online.
Sources and methodology
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.
- NOAA NCEI storm reports, Kaufman County
- TWIA eligibility
- FEMA National Risk Index, Kaufman County
- American Community Survey 2020–2024, Terrell city: tenure, home value, population, median year built, year built, structure type
- NWS Fort Worth/Dallas, TX
- Texas Comptroller regions
- FEMA disaster declarations, Kaufman County
- OpenFEMA flood insurance data, Kaufman County
- Comptroller CAD listing, Kaufman County
- FEMA Community Status Book
- Benchmarks: Kaufman County value, Kaufman County build year, Texas value
- Census CBSA delineation
- Census Gazetteer coordinates