Home Insurance in Rosebud, Texas
With a median home value of $83,000, Rosebud is 25% lower than the Falls County median.
The typical home in Rosebud was built around 1968. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 36% of homes were built before 1960, about 8 points above Falls County's 28%.
The housing stock in Rosebud is 89% single-family homes, 4% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
40% of owner-occupied homes in Rosebud carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Rosebud has an owner-occupancy rate of 59% and a vacancy rate of 13%; unoccupied homes typically need a different coverage form.
50% of homes in Rosebud are primarily heated with electricity.
Falls County had 2 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is tornado (Relatively Moderate). See the full Falls 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).
1 licensed insurance agencies are listed for this area.
Key figures
| Median home value | $83,000 |
|---|---|
| Median year built | 1968 |
| Owner-occupied share | 59% |
| Share of owner-occupied homes with a mortgage | 40% |
| Top county hazard | Tornado (Relatively Moderate) |
| Active NFIP policies in Falls County | 2 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Licensed insurance agencies in Rosebud
- KBI AGRICULTURE RISK MANAGEMENT, LLC, Rosebud (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)