Home Insurance in Sherman County, Texas
With a median home value of $146,900, Sherman County is 48% lower than the Texas median.
The typical home in Sherman County was built around 1966. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 39% of homes were built before 1960, about 27 points above Texas's 12%.
The housing stock in Sherman County is 89% single-family homes, 2% apartments in buildings with 5+ units and 6% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 43% of owner-occupied homes in Sherman County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 26%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 76% of occupied homes in Sherman County are owner-occupied.
In Sherman County, 64% of homes are primarily heated with natural gas.
The top hazards for Sherman County, per FEMA's National Risk Index, are wildfire (Relatively Low), winter weather (Relatively Low) and hail (Relatively Low).
Sherman County has no active NFIP flood policies on file. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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.
1 licensed insurance agencies are listed for this area.
Key figures
| Median home value | $146,900 |
|---|---|
| Median year built | 1966 |
| Owner-occupied share | 76% |
| Share of owner-occupied homes with a mortgage | 43% |
| Top hazards (FEMA National Risk Index) | Wildfire (Relatively Low), Winter Weather (Relatively Low), Hail (Relatively Low) |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Towns and cities
Licensed insurance agencies in Sherman County
- GARY CLEMENTS INSURANCE AGENCY,INC., Stratford (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)