Home Insurance in Rockdale, Texas
The median home value in Rockdale is $230,900, 22% higher than the Milam County median.
The typical home in Rockdale was built around 1977. About 26% of homes were built before 1960, about 6 points above Milam County's 21%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Rockdale is 83% single-family homes, 3% apartments in buildings with 5+ units and 9% mobile or manufactured homes.
About 52% of owner-occupied homes in Rockdale have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 15%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 63% of occupied homes in Rockdale are owner-occupied.
72% of homes in Rockdale are primarily heated with electricity.
Milam County's top FEMA-rated hazard is tornado (Relatively Moderate), per FEMA's National Risk Index. Milam County had 52 active NFIP flood policies as of September 2026. See the full Milam 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.
4 licensed insurance agencies are listed for this area.
Key figures
| Median home value | $230,900 |
|---|---|
| Median year built | 1977 |
| Owner-occupied share | 63% |
| Share of owner-occupied homes with a mortgage | 52% |
| Top county hazard | Tornado (Relatively Moderate) |
| Active NFIP policies in Milam County | 52 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Licensed insurance agencies in Rockdale
- MILAM INSURANCE AGENCY, LLC, Rockdale (General Lines Agency)
- NATHAN R. BLAND, LLC, Rockdale (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
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)