Home Insurance in Rosenberg, Texas
Homes in Rosenberg carry a median value of $219,100 - 41% lower than the Fort Bend County median.
The typical home in Rosenberg was built around 1997. About 10% of homes were built before 1960, about 8 points above Fort Bend County's 2%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Rosenberg is 60% single-family homes, 20% apartments in buildings with 5+ units and 10% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
About 58% of owner-occupied homes in Rosenberg have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Rosenberg has an owner-occupancy rate of 54% and a vacancy rate of 6%; unoccupied homes typically need a different coverage form.
In Rosenberg, 56% of homes are primarily heated with electricity.
What's the biggest home insurance risk near Rosenberg? FEMA's National Risk Index points to tornado (Very High) in Fort Bend County and Fort Bend County had 40,102 active NFIP flood policies as of September 2026. See the full Fort Bend 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).
15 licensed insurance agencies serve this area.
Key figures
| Median home value | $219,100 |
|---|---|
| Median year built | 1997 |
| Owner-occupied share | 54% |
| Share of owner-occupied homes with a mortgage | 58% |
| Top county hazard | Tornado (Very High) |
| Active NFIP policies in Fort Bend County | 40,102 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Licensed insurance agencies in Rosenberg
- 786 TX LLC, Rosenberg (General Lines Agency)
- ALL STAR INSURANCE GROUP #1 LLC, Rosenberg (General Lines Agency)
- BN CORNERSTONE INSURANCE AGENCY, INCORPORATED, Rosenberg (General Lines Agency)
- CASSY MAYES INSURANCE SERVICES LLC, Rosenberg (General Lines Agency)
- CELIS INSURANCE AGENCY LLC, Rosenberg (General Lines Agency)
- CODY VYORAL INSURANCE AGENCY, LLC, Rosenberg (General Lines Agency)
- COVER PRO SERVICES, LLC, Rosenberg (General Lines Agency)
- GERALD C MACHA INSURANCE AGENCY INC, Rosenberg (General Lines Agency)
- GOLDEN HAVEN HOME CARE INC, Rosenberg (General Lines Agency)
- KGN INSURANCE AGENCY LLC, Rosenberg (General Lines Agency)
- LUNA TRAN SOLUTION LLC, Rosenberg (General Lines Agency)
- MASTERS INSURANCE UNDERWRITERS LLC, Rosenberg (General Lines Agency)
- MCANALLY INSURANCE GROUP LLC, Rosenberg (General Lines Agency)
- RANKIN INSURANCE SERVICES LLC, Rosenberg (General Lines Agency)
- WISEGUARD FINANCIAL INC, Rosenberg (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)