Home Insurance in Clarksville City, Texas
Homes in Clarksville City carry a median value of $154,600 - 24% lower than the Gregg County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Clarksville City was built around 1982. About 22% of homes were built before 1960, about 7 points above Gregg County's 15%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Clarksville City is 69% single-family homes and 27% mobile or manufactured homes.
38% of owner-occupied homes in Clarksville City carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 86% of occupied homes in Clarksville City are owner-occupied. The vacancy rate is 7%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
81% of homes in Clarksville City are primarily heated with electricity. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA rates Gregg County's overall risk as Relatively Moderate, led by tornado (Relatively High). Gregg County had 290 active NFIP flood policies as of September 2026. See the full Gregg 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).
Key figures
| Median home value | $154,600 |
|---|---|
| Median year built | 1982 |
| Owner-occupied share | 86% |
| Share of owner-occupied homes with a mortgage | 38% |
| Top county hazard | Tornado (Relatively High) |
| Active NFIP policies in Gregg County | 290 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
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)