Home Insurance in Clute, Texas
Homes in Clute carry a median value of $271,700 - 10% lower than the Brazoria County median.
The typical home in Clute was built around 1986. About 8% of homes were built before 1960, in line with Brazoria County (8%). Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Clute is 49% single-family homes, 38% apartments in buildings with 5+ units and 5% mobile or manufactured homes.
63% of owner-occupied homes in Clute carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 16%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 49% of occupied homes in Clute are owner-occupied.
Most homes in Clute - 59% - are primarily heated with electricity.
Brazoria County had 28,316 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is tornado (Relatively High). See the full Brazoria 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 4 licensed insurance agencies.
Key figures
| Median home value | $271,700 |
|---|---|
| Median year built | 1986 |
| Owner-occupied share | 49% |
| Share of owner-occupied homes with a mortgage | 63% |
| Top county hazard | Tornado (Relatively High) |
| Active NFIP policies in Brazoria County | 28,316 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Licensed insurance agencies in Clute
- FAY ALLEN INSURANCE AGENCY, LLC, Clute (Pers Lines Prop and Cas Agency)
- JANE JACOBS INSURANCE, LLC, Clute (General Lines Agency)
- NOLASCO GROUP LLC, Clute (General Lines Agency)
- NORA HARPER AGENCY, LLC, Clute (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)