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Home Insurance in Travis Ranch, TX
Travis Ranch homeowners insure against hail and tornadoes first, according to FEMA’s county ratings. This page lays out the local hazard data and what it means for coverage.
$4,299/yr
About $358/mo · ~$300k-$400k dwelling class
$2,683/yr
About $224/mo after modeled shopping discount
About 37.6% below local market estimate
Natural hazard profile for Travis Ranch
In FEMA’s National Risk Index, Kaufman County carries an overall rating of relatively low. Hazard by hazard, the strongest scores are for hail (relatively high), tornadoes (relatively moderate) and inland flooding (relatively moderate).
Hail risk here is relatively high. Cosmetic-damage exclusions for metal roofing and roof-age settlement schedules vary by carrier, so read those sections.
With tornadoes rated relatively moderate, check that loss-of-use coverage would carry you through a long rebuild.
Inland flooding is rated relatively moderate in Kaufman County. That covers river and heavy-rain flooding, which no standard homeowners policy pays for.
FEMA rates winter weather relatively moderate here; sudden pipe bursts are typically covered, while slow leaks and mold often are not.
Recent severe weather in Kaufman County
Kaufman County had 62 hail reports in NOAA’s storm records for 2016 through 2025. In 56 cases the hail was an inch across or bigger. On April 20, 2023, observers reported hail as large as 3.5 inches. NOAA lists 4 tornadoes in Kaufman County between 2016 and 2025, the strongest rated EF2 on May 29, 2019.
Severe thunderstorm winds were reported 46 times, the strongest near 81 mph. NOAA also counts 22 flash flood events in the county in that period.
FEMA has issued 7 natural-hazard major disaster declarations covering Kaufman County since 2000. Among the most recent are Severe Storms, Straight-line Winds, Tornadoes, and Flooding (2024), Severe Winter Storms (2021) and Severe Winter Storms, Tornadoes, Straight-line Winds, and Flooding (2016).
Wind and hail coverage in Travis Ranch
There is no TWIA option in Kaufman County, so the homeowners carrier handles wind and hail, and its deductible for those perils can differ from the all-other-perils deductible.
Flood exposure and the NFIP in Travis Ranch
Flood insurance for unincorporated areas is handled through Kaufman County, which participates in the National Flood Insurance Program. Only about 1 in 216 homes in Kaufman County carries an NFIP policy (227 residential policies). NFIP records show 36 flood claims in the county since 2016. Since homeowners forms exclude flood, plan ahead: most NFIP policies only take effect after a 30-day waiting period.
Your flood zone is a quick search away on the FEMA Flood Map Service Center.
The homes behind the risk
Census estimates put the median construction year for homes in Travis Ranch at 2015. Pre-1980 houses are about less than 1% of the stock, and post-2000 houses about 100%. Census data shows a median home value of $345,400 in Travis Ranch. It tracks the county median of $320,900 fairly closely. Your dwelling limit should be built from square footage, materials and local labor costs rather than what the house would sell for.
Where Travis Ranch homeowners can check the details
Travis Ranch is in Kaufman County. Kaufman County counts as an outlying county of the Dallas-Fort Worth-Arlington metro area. By straight-line distance, Travis Ranch is about 7 miles northeast of Mesquite.
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 Travis Ranch. Its assigned radar site for Travis Ranch is KFWS.
Travis Ranch hazard and coverage questions
How often does it hail around Travis Ranch?
Kaufman County had 62 hail reports in NOAA’s records for 2016 to 2025, 56 of them with stones an inch or larger. FEMA’s National Risk Index rates the county’s hail risk relatively high. Keep photos of your roof’s condition so a future claim is easier to document.
Does my Travis Ranch policy cover a burst pipe after a freeze?
Generally yes, if a pipe bursts suddenly and you kept the home reasonably heated. FEMA rates winter weather risk in Kaufman County as relatively moderate. Slow leaks, mold and wear are commonly excluded.
Does homeowners insurance in Travis Ranch cover flooding?
Flood is not part of a homeowners policy; it is bought separately through the NFIP or a private insurer. In Kaufman County, about 1 in 216 homes has an NFIP policy. New NFIP policies usually take 30 days to start.
Is windstorm insurance through TWIA an option in Travis Ranch?
No, Kaufman County is not in TWIA territory. Look instead at the wind and hail deductible on your homeowners quotes, since that is where storm costs land.
Request a Travis Ranch homeowners quote
Texas Insurance Resources shops multiple carriers for you. Call 800-875-4711 or start online.
Data sources and notes
All public data on this page was pulled in October 2026. Census numbers are survey estimates. Price estimates near the top are Texas Insurance Resources models for comparison, not quotes or published averages.
- NFIP data (OpenFEMA), Kaufman County
- NWS Fort Worth/Dallas, TX
- TWIA eligibility
- Disaster declarations (FEMA), Kaufman County
- Comptroller economic regions
- American Community Survey 2020–2024, Travis Ranch CDP: year built, tenure, median year built, population, structure type, home value
- Census metro delineation
- Census Gazetteer files
- Comptroller CAD listing, Kaufman County
- County and state comparisons: Kaufman County value, Kaufman County build year
- NOAA NCEI storm reports, Kaufman County
- National Risk Index (FEMA), Kaufman County