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Home Insurance in Henrietta, TX
Half of the homes in Henrietta were built in 1975 or earlier. Here is how the local housing stock shapes coverage and price.
Henrietta homes at a glance
In Henrietta, 78% of occupied homes are lived in by their owners and 78% of units are detached houses. Manufactured homes are common, at about 11% of units, and they are usually insured on a separate manufactured-home form rather than a standard HO-3.
How age and construction affect a Henrietta quote
Census estimates put the median construction year for homes in Henrietta at 1975. Homes built before 1980 make up about 66% of the total; those built since 2000 account for 11%. Expect questions about updates: carriers price older houses partly on whether the roof, wiring, plumbing and HVAC have been replaced, and some will inspect.
$4,152/yr
About $346/mo · ~$300k-$400k dwelling class
$2,387/yr
About $199/mo after modeled shopping discount
About 42.5% below local market estimate
How much coverage a Henrietta home needs
Owners in Henrietta put the median value of their homes at $145,600. The county-wide figure is higher, at $171,500. Keep in mind that Coverage A should follow rebuilding cost, not sale price, since the lot itself does not burn or blow away.
The six parts of a Henrietta homeowners policy
Covers the house. Lenders require it, and it is the base that percentage deductibles are calculated from.
Detached garages, fences, sheds and workshops, often set at 10% of Coverage A by default.
Contents coverage, with special lower limits for jewelry, firearms and collectibles unless scheduled.
Hotel, meals and other added costs while the home is uninhabitable after a covered claim.
Legal defense and damages if someone is hurt on your property or you damage someone else’s.
No-fault medical payments for visitors, usually a few thousand dollars.
Weather backdrop for Henrietta
FEMA’s National Risk Index rates overall natural-hazard risk in Clay County as very low. Its leading hazards, by rating, are drought (relatively moderate). Over the ten years from 2016 to 2025, NOAA recorded 65 hail events across Clay County. Stones of one inch or more showed up in 50 of the reports. The top report was 3-inch hail on May 19, 2025.
Wind coverage in Clay County stays inside the homeowners policy because the county is outside TWIA’s coastal territory; compare the wind/hail deductible on every quote. The FEMA Flood Map Service Center shows the flood zone for any address.
Local resources for Henrietta homeowners
Your property record, including square footage and year built, is on the Clay appraisal district site at www.claycad.org (phone 940-538-4311). Its office is at 101 E. Omega St. Henrietta, TX 76365-3437.
The county for Henrietta is Clay County. Commuting ties put Clay County in the Wichita Falls metro as an outlying county. Head about 20 miles from Henrietta and you reach Wichita Falls, the nearest larger city.
Henrietta housing and coverage questions
How old are homes in Henrietta, and does that change my rate?
Census estimates put the median build year at 1975, with about 66% of homes older than 1980. Upgrades matter: a newer roof and updated wiring can open up more carriers and better prices.
Are manufactured homes in Henrietta insured differently?
Usually. Manufactured homes make up about 11% of housing units in Henrietta. They are typically written on a manufactured home policy, and tie-downs, age and skirting can affect eligibility.
What does the Henrietta savings estimate on this page mean?
The estimate cards above model about 42.5% below the local market figure for Henrietta. Treat it as illustrative; your quote depends on the home, roof, claims history and deductible.
What home details should I have ready for a Henrietta quote?
Search your address on the Clay appraisal district site, www.claycad.org. Insurers use similar data, so correct any errors in square footage or year built before quoting.
Get a Henrietta home insurance quote
Compare carriers with Texas Insurance Resources. Call 800-875-4711 or request a quote online.
Sources and methodology
All public data on this page was pulled in October 2026. Census numbers are survey estimates. Price estimates near the top are Texas Insurance Resources models for comparison, not quotes or published averages.
- Comptroller county directory, Clay County
- Census ACS 2020–2024, Henrietta city: tenure, home value, population, structure type, median year built, year built
- National Risk Index (FEMA), Clay County
- NOAA Storm Events Database, Clay County
- Census metro delineation
- Gazetteer (Census)
- Texas Comptroller regions
- TWIA eligibility
- Benchmarks: Clay County value, Clay County build year