Home Insurance in Cleveland, Texas
Homes in Cleveland carry a median value of $174,400 - close to the Liberty County median.
The typical home in Cleveland was built around 1984. About 13% of homes were built before 1960, about 6 points above Liberty County's 7%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Cleveland, the housing stock is 59% single-family homes, 8% apartments in buildings with 5+ units and 18% 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 Cleveland, about 59% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 13%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 63% of occupied homes in Cleveland are owner-occupied.
69% of homes in Cleveland are primarily heated with electricity.
What's the biggest home insurance risk near Cleveland? FEMA's National Risk Index points to tornado (Relatively High) in Liberty County and Liberty County had 1,901 active NFIP flood policies as of September 2026. See the full Liberty County home insurance overview for all FEMA hazard ratings and flood coverage details.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Texas carries a statewide average premium of $2,864 per year.
This area lists 6 licensed insurance agencies.
Key figures
| Median home value | $174,400 |
|---|---|
| Median year built | 1984 |
| Owner-occupied share | 63% |
| Share of owner-occupied homes with a mortgage | 59% |
| Top county hazard | Tornado (Relatively High) |
| Active NFIP policies in Liberty County | 1,901 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Licensed insurance agencies in Cleveland
- 1800-INSURANCE, LLC, Cleveland (General Lines Agency)
- B-3 INSURANCE SERVICES, LLC, Cleveland (General Lines Agency)
- DANA JACKSON INSURANCE AGENCY, LLC, Cleveland (General Lines Agency)
- LA INSURANCE AGENCY TX57, LLC, Cleveland (General Lines Agency)
- VIVI'S INSURANCE AGENCY LLC, Cleveland (General Lines Agency)
- WALA INSURANCE AGENCY INC, Cleveland (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)