Home Insurance in Claude, Texas
Homes in Claude carry a median value of $170,600 - close to the Armstrong County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Claude was built around 1966. About 37% of homes were built before 1960, about 4 points below Armstrong County's 41%.
The housing stock in Claude is 89% single-family homes and 10% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
40% of owner-occupied homes in Claude carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Claude has an owner-occupancy rate of 78% and a vacancy rate of 11%; unoccupied homes typically need a different coverage form.
In Claude, 50% of homes are primarily heated with natural gas.
FEMA rates Armstrong County's overall risk as Very Low, led by wildfire (Relatively Low). Armstrong County has no active NFIP flood policies on file. See the full Armstrong County home insurance overview for all FEMA hazard ratings and flood coverage details.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Texas carries a statewide average premium of $2,864 per year.
This area lists 2 licensed insurance agencies.
Key figures
| Median home value | $170,600 |
|---|---|
| Median year built | 1966 |
| Owner-occupied share | 78% |
| Share of owner-occupied homes with a mortgage | 40% |
| Top county hazard | Wildfire (Relatively Low) |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Licensed insurance agencies in Claude
- 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
Nearby towns
Sources
Data last updated: 2026-09-29
- 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)