Home Insurance in Clarendon, Texas
The median home value in Clarendon is $103,300, 7% higher than the Donley County median.
The typical home in Clarendon was built around 1964. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 43% of homes were built before 1960, about 9 points above Donley County's 35%.
The housing stock in Clarendon is 76% single-family homes, 1% apartments in buildings with 5+ units and 6% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Clarendon, about 28% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 61% of occupied homes in Clarendon are owner-occupied. The vacancy rate is 23%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Clarendon - 67% - are primarily heated with natural gas.
FEMA rates Donley County's overall risk as Very Low, led by wildfire (Relatively Low). Donley County had 6 active NFIP flood policies as of September 2026. See the full Donley County home insurance overview for all FEMA hazard ratings and flood coverage details.
In Texas, the statewide average premium for a standard HO-3 homeowners policy is $2,864 per year (NAIC, 2023 data).
3 licensed insurance agencies are listed for this area.
Key figures
| Median home value | $103,300 |
|---|---|
| Median year built | 1964 |
| Owner-occupied share | 61% |
| Share of owner-occupied homes with a mortgage | 28% |
| Top county hazard | Wildfire (Relatively Low) |
| Active NFIP policies in Donley County | 6 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Licensed insurance agencies in Clarendon
- 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
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)