Home Insurance in Roaring Springs, Texas
With a median home value of $52,500, Roaring Springs is 40% lower than the Motley County median.
The typical home in Roaring Springs was built around 1958. About 53% of homes were built before 1960, about 6 points above Motley County's 48%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Roaring Springs is 95% single-family homes and 5% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Roaring Springs, about 10% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Roaring Springs has an owner-occupancy rate of 74% and a vacancy rate of 34%; unoccupied homes typically need a different coverage form.
Most homes in Roaring Springs - 60% - are primarily heated with propane. Homes heated with propane 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 Roaring Springs? FEMA's National Risk Index points to wildfire (Relatively Low) in Motley County and Motley County has no active NFIP flood policies on file. See the full Motley 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).
Key figures
| Median home value | $52,500 |
|---|---|
| Median year built | 1958 |
| Owner-occupied share | 74% |
| Share of owner-occupied homes with a mortgage | 10% |
| Top county hazard | Wildfire (Relatively Low) |
| 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)