Home Insurance in Clifton, Texas
With a median home value of $160,000, Clifton is 20% lower than the Bosque County median.
The typical home in Clifton was built around 1973. About 18% of homes were built before 1960, about 5 points below Bosque County's 23%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Housing in Clifton breaks down to 83% single-family homes, 12% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
In Clifton, about 31% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Clifton has an owner-occupancy rate of 61% and a vacancy rate of 9%; unoccupied homes typically need a different coverage form.
Most homes in Clifton - 56% - are primarily heated with electricity.
Bosque County had 71 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is wildfire (Relatively Low). See the full Bosque County home insurance overview for all FEMA hazard ratings and flood coverage details.
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).
3 licensed insurance agencies are listed for this area.
Key figures
| Median home value | $160,000 |
|---|---|
| Median year built | 1973 |
| Owner-occupied share | 61% |
| Share of owner-occupied homes with a mortgage | 31% |
| Top county hazard | Wildfire (Relatively Low) |
| Active NFIP policies in Bosque County | 71 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Licensed insurance agencies in Clifton
- AARS & NELSON G.P., L.L.C., Clifton (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
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)