Home Insurance in Cleburne, Texas
The median home value in Cleburne is $221,100, 23% lower than the Johnson County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Cleburne was built around 1983. About 18% of homes were built before 1960, about 11 points above Johnson County's 7%.
In Cleburne, the housing stock is 73% single-family homes, 12% apartments in buildings with 5+ units and 3% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
58% of owner-occupied homes in Cleburne carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 60% of occupied homes in Cleburne are owner-occupied. The vacancy rate is 8%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Cleburne, 71% of homes are primarily heated with electricity.
What's the biggest home insurance risk near Cleburne? FEMA's National Risk Index points to tornado (Relatively High) in Johnson County and Johnson County had 566 active NFIP flood policies as of September 2026. See the full Johnson 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).
10 licensed insurance agencies serve this area.
Key figures
| Median home value | $221,100 |
|---|---|
| Median year built | 1983 |
| Owner-occupied share | 60% |
| Share of owner-occupied homes with a mortgage | 58% |
| Top county hazard | Tornado (Relatively High) |
| Active NFIP policies in Johnson County | 566 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Licensed insurance agencies in Cleburne
- 4MC INSURANCE, STATE INSPECTION AND SERVICE CORP., Cleburne (General Lines Agency)
- BALLMANN COMPANIES, INC., Cleburne (General Lines Agency)
- BISON INSURANCE AGENCY LLC, Cleburne (General Lines Agency)
- BLAKE ALLEN JONES AGENCY, PLLC, Cleburne (General Lines Agency)
- DENNIS MARK INSURANCE AGENCY LLC, Cleburne (General Lines Agency)
- DUO INSURANCE AGENCY LLC, Cleburne (General Lines Agency)
- HARMON INSURANCE AGENCY, LLC, Cleburne (General Lines Agency)
- INFINITY GROUP INSURANCE LLC, Cleburne (General Lines Agency)
- MY INSURANCE STORE 2, LLC, Cleburne (General Lines Agency)
- ROBERT COOLIDGE AGENCY LLC, Cleburne (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)