HomeInsuranceQts

Home Insurance in Rowlett, Texas

With a median home value of $368,800, Rowlett is 22% higher than the Dallas County median.

The typical home in Rowlett was built around 1997. About 0% of homes were built before 1960, about 16 points below Dallas County's 17%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.

In Rowlett, the housing stock is 85% single-family homes, 13% apartments in buildings with 5+ units and 2% mobile or manufactured homes.

66% of owner-occupied homes in Rowlett carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.

About 75% of occupied homes in Rowlett are owner-occupied. The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.

56% of homes in Rowlett are primarily heated with natural gas.

FEMA rates Dallas County's overall risk as Very High, led by hail (Very High). Dallas County had 6,674 active NFIP flood policies as of September 2026. See the full Dallas 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 24 licensed insurance agencies.

Key figures

Median home value$368,800
Median year built1997
Owner-occupied share75%
Share of owner-occupied homes with a mortgage66%
Top county hazardHail (Very High)
Active NFIP policies in Dallas County6,674
Home insurance premium$2,864 - statewide average (NAIC, 2023 data)
Key home insurance figures for Rowlett, TX

Licensed insurance agencies in Rowlett

Data source: Texas Department of Insurance - licensed agencies, https://data.texas.gov/d/3yqc-fcdt

Nearby towns

Sources

Data last updated: 2026-09-29