Home Insurance in Rule, Texas
Homes in Rule carry a median value of $71,000 - 28% lower than the Haskell County median.
The typical home in Rule was built around 1961. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 48% of homes were built before 1960, about 4 points above Haskell County's 44%.
In Rule, the housing stock is 97% single-family homes and 3% mobile or manufactured homes.
25% of owner-occupied homes in Rule carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 30%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 76% of occupied homes in Rule are owner-occupied.
53% of homes in Rule are primarily heated with natural gas.
Haskell County's top FEMA-rated hazard is wildfire (Relatively Low), per FEMA's National Risk Index. 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.
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).
1 licensed insurance agencies serve this area.
Key figures
| Median home value | $71,000 |
|---|---|
| Median year built | 1961 |
| Owner-occupied share | 76% |
| Share of owner-occupied homes with a mortgage | 25% |
| Top county hazard | Wildfire (Relatively Low) |
| Active NFIP policies in Haskell County | 61 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Licensed insurance agencies in Rule
- CRYSTAL HERTEL ENTERPRISES LLC, Rule (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)