Home Insurance in Bosque County, Texas
The median home value in Bosque County is $200,900, 29% lower than the Texas median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Bosque County was built around 1979. About 23% of homes were built before 1960, about 11 points above Texas's 12%.
In Bosque County, the housing stock is 79% single-family homes, 2% apartments in buildings with 5+ units and 16% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
38% of owner-occupied homes in Bosque County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 20%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 76% of occupied homes in Bosque County are owner-occupied.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. Most homes in Bosque County - 64% - are primarily heated with electricity.
FEMA's National Risk Index lists wildfire (Relatively Low), tornado (Relatively Moderate) and hail (Relatively Low) as the leading hazards for Bosque County.
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Bosque County has 71 active NFIP flood policies on file.
The statewide average premium for a standard HO-3 homeowners policy in Texas is $2,864 per year, according to the NAIC homeowners insurance report (2023 data).
4 licensed insurance agencies are listed for this area.
Key figures
| Median home value | $200,900 |
|---|---|
| Median year built | 1979 |
| Owner-occupied share | 76% |
| Share of owner-occupied homes with a mortgage | 38% |
| Top hazards (FEMA National Risk Index) | Wildfire (Relatively Low), Tornado (Relatively Moderate), Hail (Relatively Low) |
| Active NFIP flood policies (county) | 71 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Towns and cities
Licensed insurance agencies in Bosque County
- AARS & NELSON G.P., L.L.C., Clifton (General Lines Agency)
- AVIRETT AGENCY INC, Meridian (General Lines Agency)
- DRAIN INSURANCE AGENCY INC, Clifton (General Lines Agency)
- HARPER INSURANCE AGENCY LLC, Clifton (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)