Home Insurance in Donley County, Texas
The median home value in Donley County is $96,400, 66% lower than the Texas median.
The typical home in Donley County was built around 1972. About 35% of homes were built before 1960, about 22 points above Texas's 12%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Donley County is 77% single-family homes, 1% apartments in buildings with 5+ units and 14% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 25% of owner-occupied homes in Donley County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 40%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 75% of occupied homes in Donley County are owner-occupied.
52% of homes in Donley County are primarily heated with natural gas. Homes heated with fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Per FEMA's National Risk Index, Donley County's top hazards are wildfire (Relatively Low), hail (Relatively Moderate) and winter weather (Relatively Low).
As of September 2026, Donley County has 6 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
In Texas, the statewide average premium for a standard HO-3 homeowners policy is $2,864 per year (NAIC, 2023 data).
This area lists 3 licensed insurance agencies.
Key figures
| Median home value | $96,400 |
|---|---|
| Median year built | 1972 |
| Owner-occupied share | 75% |
| Share of owner-occupied homes with a mortgage | 25% |
| Top hazards (FEMA National Risk Index) | Wildfire (Relatively Low), Hail (Relatively Moderate), Winter Weather (Relatively Low) |
| Active NFIP flood policies (county) | 6 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Towns and cities
Licensed insurance agencies in Donley County
- COTTONWOOD INSURANCE SERVICES, LLC, Clarendon (General Lines Agency)
- KNORPP BLOODSTOCK INSURANCE AGENCY LC, Clarendon (General Lines Agency)
- THE DONLEY COUNTY STATE BANK, Clarendon (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)