Home Insurance in Armstrong County, Texas
The median home value in Armstrong County is $171,500, 40% lower than the Texas median.
The typical home in Armstrong County was built around 1965. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 41% of homes were built before 1960, about 28 points above Texas's 12%.
The housing stock in Armstrong County is 92% single-family homes and 8% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Armstrong County, about 43% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Armstrong County has an owner-occupancy rate of 80% and a vacancy rate of 13%; unoccupied homes typically need a different coverage form.
51% of homes in Armstrong County are primarily heated with natural gas. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA's National Risk Index lists wildfire (Relatively Low), hail (Relatively Low) and winter weather (Relatively Low) as the leading hazards for Armstrong County.
Armstrong County has no active NFIP flood policies on file. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
In Texas, the statewide average premium for a standard HO-3 homeowners policy is $2,864 per year (NAIC, 2023 data).
2 licensed insurance agencies are listed for this area.
Key figures
| Median home value | $171,500 |
|---|---|
| Median year built | 1965 |
| Owner-occupied share | 80% |
| Share of owner-occupied homes with a mortgage | 43% |
| Top hazards (FEMA National Risk Index) | Wildfire (Relatively Low), Hail (Relatively Low), Winter Weather (Relatively Low) |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Towns and cities
Licensed insurance agencies in Armstrong County
- MYERS INSURANCE SERVICES, PLLC, Claude (General Lines Agency)
- YOUNG AND FLETCHER LLC, Claude (General Lines Agency)
Data source: Texas Department of Insurance - licensed agencies, https://data.texas.gov/d/3yqc-fcdt
Sources
- U.S. Census Bureau Gazetteer Files (2024)
- U.S. Census Bureau, American Community Survey 2020-2024 5-Year Estimates (2024)
- FEMA National Risk Index (December 2025)
- FEMA OpenFEMA NFIP Redacted Policies v3 (2026)
- NAIC Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owners Insurance: Data for 2023 (published 2026) (2023)
- Texas Department of Insurance - licensed agencies (2026)