Home Insurance in Red River County, Texas
Homes in Red River County carry a median value of $121,500 - 57% lower than the Texas median.
The typical home in Red River County was built around 1981. About 17% of homes were built before 1960, about 4 points above Texas's 12%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Red River County, the housing stock is 78% single-family homes, 2% apartments in buildings with 5+ units and 16% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 29% of owner-occupied homes in Red River County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 71% of occupied homes in Red River County are owner-occupied. The vacancy rate is 20%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Red River County - 52% - 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.
Per FEMA's National Risk Index, Red River County's top hazards are tornado (Relatively Moderate), hail (Relatively Low) and wildfire (Very Low).
Red River County had 2 active National Flood Insurance Program policies as of September 2026. 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 2 licensed insurance agencies.
Key figures
| Median home value | $121,500 |
|---|---|
| Median year built | 1981 |
| Owner-occupied share | 71% |
| Share of owner-occupied homes with a mortgage | 29% |
| Top hazards (FEMA National Risk Index) | Tornado (Relatively Moderate), Hail (Relatively Low), Wildfire (Very Low) |
| Active NFIP flood policies (county) | 2 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Towns and cities
Licensed insurance agencies in Red River County
- GOODMAN INSURANCE AGENCY INC, Clarksville (General Lines Agency)
- SARKIS ENTERPRISES LLC, Clarksville (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)