Home Insurance in Henrietta, Texas
Homes in Henrietta carry a median value of $145,600 - 15% lower than the Clay County median.
The typical home in Henrietta was built around 1975. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 26% of homes were built before 1960, about 2 points above Clay County's 24%.
The housing stock in Henrietta is 81% single-family homes and 11% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Henrietta, about 42% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 78% of occupied homes in Henrietta are owner-occupied. The vacancy rate is 9%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Henrietta, 49% of homes are primarily heated with electricity.
What's the biggest home insurance risk near Henrietta? FEMA's National Risk Index points to wildfire (Relatively Low) in Clay County and Clay County had 42 active NFIP flood policies as of September 2026. See the full Clay 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).
2 licensed insurance agencies are listed for this area.
Key figures
| Median home value | $145,600 |
|---|---|
| Median year built | 1975 |
| Owner-occupied share | 78% |
| Share of owner-occupied homes with a mortgage | 42% |
| Top county hazard | Wildfire (Relatively Low) |
| Active NFIP policies in Clay County | 42 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Licensed insurance agencies in Henrietta
- CHUCK DUNN INSURANCE AGENCY, L.L.C., Henrietta (General Lines Agency)
- DUNCAN INSURANCE AGENCY LLC, Henrietta (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)