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Stover & Crouch Est. 1920

Insurance for Forney & Kaufman County, Texas

Farm, home, business and auto insurance for Forney, Kaufman and Terrell.

Get a quoteCall (936) 348-2688

Metroplex region

Explore Kaufman County

Insurance for your home, vehicles, business and land

Start with the coverage you need, then use the local questions below to prepare for a review.

The Stover & Crouch team in the Madisonville office.
The Stover & Crouch team, serving families and businesses across Texas.

Meet your insurance team

Get help comparing quotes, understanding your coverage and requesting policy changes.

  • Craig StoverAgency president helping families, landowners and businesses
  • Steven StoverCommercial insurance · IIAT Board of Directors
  • Tammy DriskellMore than 40 years of service with Stover & Crouch
  • Sheila PiercePersonal auto specialist with 25 years at the agency
  • Erin FergusonPersonal, business and farm & ranch insurance
  • Tyler StoverCommercial insurance and operations with catastrophe claims experience

Local losses and practical questions

2025 homeowners paid losses

$63.5 million

Paid across Kaufman County in 2025, according to the Texas Department of Insurance.

TDI county loss data · Download source data (CSV)

A documented local storm

Forney’s April 2012 tornado

The National Weather Service documented a tornado near Forney on April 3, 2012 that remained in Kaufman County. It damaged homes, a school roof, and vehicles. For your property review, list each building and the vehicles or equipment kept there.

NWS Forney storm report · April 3, 2012

The payment total covers homeowners policies, not farm, commercial, auto, renters, condo, dwelling-only or TWIA losses. It is not an average claim or a forecast of your premium. The storm example is separate historical evidence; it does not explain the 2025 total or predict the next storm.

Sources checked October 6, 2026.

Describe the property beyond the front door

Make the activities clear

Personal horses, paid boarding, and riding lessons are different uses to discuss. Include barns, shops, equipment, and visitors in the conversation. A home policy may leave gaps for business equipment or injuries to customers and employees. Ask which activities the proposed coverage addresses.

TDI’s guidance on business use of a home

Read the roof terms for each building

Bring roof details for the house and any barn or shop you want insured. Ask how covered damage would be paid and which deductible applies. Replacement cost and actual cash value can leave different amounts for you to pay; do not assume the house and outbuildings have identical terms.

TDI’s roof coverage guidance

Check rising water separately

A storm can raise a separate flood question even when a home policy includes wind coverage. Most home policies do not cover flooding. Ask about water rising from outside and review the needs of the home and other buildings individually.

Learn about flood insurance.

TDI’s guide to home, flood and wind coverage

Bring a picture of the whole property

A short list and a few records can make the first conversation more useful.

  • Property address, building list, approximate sizes, uses, and photos.
  • Current policies, roof details, deductibles, and any renewal changes.
  • Horses or livestock, equipment, and whether they are personally owned or part of a business.
  • Boarding, training, lease, or other agreements involving paid work or visitors.

Next step

Talk through your Kaufman County insurance needs

Work with our Texas-based independent agency by phone, email, or online. You do not need to make a trip to start a review.

Coverage depends on the insurer, policy terms, and your circumstances.