Home Insurance in Rocky Mound, Texas
Homes in Rocky Mound carry a median value of $118,800 - 31% lower than the Camp County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Rocky Mound was built around 1992. About 0% of homes were built before 1960, about 12 points below Camp County's 12%.
The housing stock in Rocky Mound is 71% single-family homes and 29% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 20% of owner-occupied homes in Rocky Mound have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 62% of occupied homes in Rocky Mound are owner-occupied. The vacancy rate is 47%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Rocky Mound, 100% of homes are primarily heated with electricity.
What's the biggest home insurance risk near Rocky Mound? FEMA's National Risk Index points to tornado (Relatively Moderate) in Camp County and Camp County had 6 active NFIP flood policies as of September 2026. See the full Camp 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.
Key figures
| Median home value | $118,800 |
|---|---|
| Median year built | 1992 |
| Owner-occupied share | 62% |
| Share of owner-occupied homes with a mortgage | 20% |
| Top county hazard | Tornado (Relatively Moderate) |
| Active NFIP policies in Camp County | 6 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
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)