Home Insurance in Rochester, Texas
Homes in Rochester carry a median value of $55,000 - 44% lower than the Haskell County median.
The typical home in Rochester was built around 1953. About 57% of homes were built before 1960, about 13 points above Haskell County's 44%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Rochester is 91% single-family homes and 9% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Rochester, about 15% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Rochester has an owner-occupancy rate of 75% and a vacancy rate of 43%; unoccupied homes typically need a different coverage form.
53% of homes in Rochester are primarily heated with natural gas. Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
What's the biggest home insurance risk near Rochester? FEMA's National Risk Index points to wildfire (Relatively Low) in Haskell County and Haskell County had 61 active NFIP flood policies as of September 2026. See the full Haskell 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.
Key figures
| Median home value | $55,000 |
|---|---|
| Median year built | 1953 |
| Owner-occupied share | 75% |
| Share of owner-occupied homes with a mortgage | 15% |
| Top county hazard | Wildfire (Relatively Low) |
| Active NFIP policies in Haskell County | 61 |
| 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)