Home Insurance in Milam County, Texas
The median home value in Milam County is $189,800, 33% lower than the Texas median.
The typical home in Milam County was built around 1983. About 21% of homes were built before 1960, about 8 points above Texas's 12%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Milam County is 76% single-family homes, 2% apartments in buildings with 5+ units and 17% mobile or manufactured homes.
39% of owner-occupied homes in Milam County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 77% of occupied homes in Milam County are owner-occupied. The vacancy rate is 13%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Milam County, 69% of homes are primarily heated with electricity.
FEMA's National Risk Index lists tornado (Relatively Moderate), hail (Relatively Moderate) and hurricane (Relatively Low) as the leading hazards for Milam County.
Milam County had 52 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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.
9 licensed insurance agencies serve this area.
Key figures
| Median home value | $189,800 |
|---|---|
| Median year built | 1983 |
| Owner-occupied share | 77% |
| Share of owner-occupied homes with a mortgage | 39% |
| Top hazards (FEMA National Risk Index) | Tornado (Relatively Moderate), Hail (Relatively Moderate), Hurricane (Relatively Low) |
| Active NFIP flood policies (county) | 52 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Towns and cities
Licensed insurance agencies in Milam County
- CAMP INSURANCE AGENCY INC, Cameron (General Lines Agency)
- FORREST SAPP INSURANCE AGENCY, LLC, Cameron (General Lines Agency)
- GEORGIA PIRTLE CROP INSURANCE AGENCY, INC., Buckholts (General Lines Agency)
- JOSEPH R QUEBE, LLC, Cameron (General Lines Agency)
- MILAM INSURANCE AGENCY, LLC, Rockdale (General Lines Agency)
- NATHAN R. BLAND, LLC, Rockdale (General Lines Agency)
- RUBAC INSURANCE AGENCY LLC, Cameron (General Lines Agency)
- SERVITORE GROUP, INC, Rockdale (General Lines Agency)
- TONJA I TERRY, LLC, Rockdale (General Lines Agency)
Data source: Texas Department of Insurance - licensed agencies, https://data.texas.gov/d/3yqc-fcdt
Sources
- 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)