Home Insurance in Ropesville, Texas
Homes in Ropesville carry a median value of $98,300 - 23% lower than the Hockley County median.
The typical home in Ropesville was built around 1988. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 18% of homes were built before 1960, about 5 points below Hockley County's 23%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Ropesville is 74% single-family homes and 26% mobile or manufactured homes.
About 36% of owner-occupied homes in Ropesville have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 86% of occupied homes in Ropesville are owner-occupied.
Most homes in Ropesville - 60% - are primarily heated with natural gas.
FEMA rates Hockley County's overall risk as Relatively Low, led by hail (Relatively High). Hockley County had 50 active NFIP flood policies as of September 2026. See the full Hockley 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).
2 licensed insurance agencies are listed for this area.
Key figures
| Median home value | $98,300 |
|---|---|
| Median year built | 1988 |
| Owner-occupied share | 86% |
| Share of owner-occupied homes with a mortgage | 36% |
| Top county hazard | Hail (Relatively High) |
| Active NFIP policies in Hockley County | 50 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Licensed insurance agencies in Ropesville
- MCNABB FOUR COTTON RAISING FAMILY, LLC, Ropesville (General Lines Agency)
- SP TAYLOR INSURANCE AGENCY, LLC, Ropesville (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)