Home Insurance in Rotan, Texas
With a median home value of $54,000, Rotan is 31% lower than the Fisher County median.
The typical home in Rotan was built around 1959. About 54% of homes were built before 1960, about 9 points above Fisher County's 45%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Rotan, the housing stock is 90% single-family homes and 7% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 28% of owner-occupied homes in Rotan have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Rotan has an owner-occupancy rate of 73% and a vacancy rate of 22%; unoccupied homes typically need a different coverage form.
In Rotan, 62% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Rotan? FEMA's National Risk Index points to hail (Relatively Low) in Fisher County and Fisher County has no active NFIP flood policies on file. See the full Fisher 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.
1 licensed insurance agencies are listed for this area.
Key figures
| Median home value | $54,000 |
|---|---|
| Median year built | 1959 |
| Owner-occupied share | 73% |
| Share of owner-occupied homes with a mortgage | 28% |
| Top county hazard | Hail (Relatively Low) |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Licensed insurance agencies in Rotan
- ROLLING PLAINS CROP INSURANCE AGENCY INC, Rotan (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)