Home Insurance in Ralls, Texas
Homes in Ralls carry a median value of $72,200 - 11% lower than the Crosby County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Ralls was built around 1960. About 50% of homes were built before 1960, about 8 points above Crosby County's 42%.
Housing in Ralls breaks down to 93% single-family homes, 1% apartments in buildings with 5+ units and 3% mobile or manufactured homes.
About 29% of owner-occupied homes in Ralls have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 67% of occupied homes in Ralls are owner-occupied. The vacancy rate is 23%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Ralls - 62% - are primarily heated with natural gas.
FEMA rates Crosby County's overall risk as Very Low, led by hail (Relatively Moderate). Crosby County had 9 active NFIP flood policies as of September 2026. See the full Crosby 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).
2 licensed insurance agencies are listed for this area.
Key figures
| Median home value | $72,200 |
|---|---|
| Median year built | 1960 |
| Owner-occupied share | 67% |
| Share of owner-occupied homes with a mortgage | 29% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Crosby County | 9 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Licensed insurance agencies in Ralls
- CAPROCK INDEPENDENT INSURANCE AGENCY INC, Ralls (General Lines Agency)
- RAINWATER CROP INSURANCE LLC, Ralls (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)