About inheritance from a foreign country?

You'd need to get an attorney experienced in international monetary transfers. But in most cases there are reciprocal agreements between nations to avoid double taxation. Although you probably will have to pay some amount to each jurisdiction.

I don't know about taxes in France. I DO know that any taxes in the US would be paid by the estate, NOT the heir.

In the US, the insurance policy would never be part of the estate. If the policy was through a US company, France couldn't touch it, regardless of French law.

i would call a tax place and ask them about it

There is no federal inheritance tax in the US and Texas does not tax inheritance. You would only have to pay any taxes charged in France on inherited property.

France imposes a 20% withholding on life insurance payouts that exceed 152,500 euro per beneficiary, not on the entire death benefit, and that rises to 25% at a little over 1 million euro per beneficiary.

That's for inheritance. If your parent is considered a resident of France, then any assets they own, no matter where in the world they are located, are subject to French law on estate taxes. The French property, any property they owned in the US, any investments anywhere, all would be subject to the French estate tax. That would have to be paid before you could inherit.

Yes you do. And you can thank the liberals for that.