Home Insurance in Roscoe, Texas
With a median home value of $90,500, Roscoe is 6% lower than the Nolan County median.
The typical home in Roscoe was built around 1968. About 23% of homes were built before 1960, about 18 points below Nolan County's 40%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Housing in Roscoe breaks down to 98% single-family homes and 2% mobile or manufactured homes.
In Roscoe, about 25% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Roscoe has an owner-occupancy rate of 87% and a vacancy rate of 16%; unoccupied homes typically need a different coverage form.
Most homes in Roscoe - 54% - are primarily heated with natural gas.
What's the biggest home insurance risk near Roscoe? FEMA's National Risk Index points to wildfire (Relatively Low) in Nolan County and Nolan County had 67 active NFIP flood policies as of September 2026. See the full Nolan 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).
This area lists 2 licensed insurance agencies.
Key figures
| Median home value | $90,500 |
|---|---|
| Median year built | 1968 |
| Owner-occupied share | 87% |
| Share of owner-occupied homes with a mortgage | 25% |
| Top county hazard | Wildfire (Relatively Low) |
| Active NFIP policies in Nolan County | 67 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Licensed insurance agencies in Roscoe
- JARVIS R HAYNES, INC., Roscoe (General Lines Agency)
- PIEPER & PARKS CROP INSURANCE AGENCY, LLC, Roscoe (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)