Home Insurance in Rising Star, Texas
With a median home value of $39,500, Rising Star is 71% lower than the Eastland County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Rising Star was built around 1952. About 63% of homes were built before 1960, about 17 points above Eastland County's 46%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Rising Star is 73% single-family homes, 1% apartments in buildings with 5+ units and 16% mobile or manufactured homes.
14% of owner-occupied homes in Rising Star carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 33%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 57% of occupied homes in Rising Star are owner-occupied.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. Most homes in Rising Star - 54% - are primarily heated with electricity.
FEMA rates Eastland County's overall risk as Very Low, led by wildfire (Relatively Low). Eastland County had 75 active NFIP flood policies as of September 2026. See the full Eastland County home insurance overview for all FEMA hazard ratings and flood coverage details.
The statewide average premium for a standard HO-3 homeowners policy in Texas is $2,864 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $39,500 |
|---|---|
| Median year built | 1952 |
| Owner-occupied share | 57% |
| Share of owner-occupied homes with a mortgage | 14% |
| Top county hazard | Wildfire (Relatively Low) |
| Active NFIP policies in Eastland County | 75 |
| 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)