Home Insurance in Rose Hill Acres, Texas
The median home value in Rose Hill Acres is $214,000, close to the Hardin County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Rose Hill Acres was built around 1967. About 15% of homes were built before 1960, about 4 points above Hardin County's 11%.
In Rose Hill Acres, the housing stock is 100% single-family homes.
In Rose Hill Acres, about 46% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Rose Hill Acres has an owner-occupancy rate of 97% and a vacancy rate of 19%; unoccupied homes typically need a different coverage form.
In Rose Hill Acres, 83% of homes are primarily heated with electricity.
Hardin County's top FEMA-rated hazard is hurricane (Relatively Moderate), per FEMA's National Risk Index. Hardin County had 2,662 active NFIP flood policies as of September 2026. See the full Hardin 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).
Key figures
| Median home value | $214,000 |
|---|---|
| Median year built | 1967 |
| Owner-occupied share | 97% |
| Share of owner-occupied homes with a mortgage | 46% |
| Top county hazard | Hurricane (Relatively Moderate) |
| Active NFIP policies in Hardin County | 2,662 |
| 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)