Home Insurance in Clarksville, Texas
With a median home value of $53,700, Clarksville is 56% lower than the Red River County median.
The typical home in Clarksville was built around 1973. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 28% of homes were built before 1960, about 12 points above Red River County's 17%.
The housing stock in Clarksville is 83% single-family homes and 7% apartments in buildings with 5+ units.
19% of owner-occupied homes in Clarksville carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 43% of occupied homes in Clarksville are owner-occupied. The vacancy rate is 20%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
50% of homes in Clarksville are primarily heated with natural gas.
What's the biggest home insurance risk near Clarksville? FEMA's National Risk Index points to tornado (Relatively Moderate) in Red River County and Red River County had 2 active NFIP flood policies as of September 2026. See the full Red River 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).
This area lists 2 licensed insurance agencies.
Key figures
| Median home value | $53,700 |
|---|---|
| Median year built | 1973 |
| Owner-occupied share | 43% |
| Share of owner-occupied homes with a mortgage | 19% |
| Top county hazard | Tornado (Relatively Moderate) |
| Active NFIP policies in Red River County | 2 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Licensed insurance agencies in Clarksville
- 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
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)