Home Insurance in Rose City, Texas
Homes in Rose City carry a median value of $80,000 - 54% lower than the Orange County median.
The typical home in Rose City was built around 1990. About 17% of homes were built before 1960, in line with Orange County (16%). Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Rose City, the housing stock is 63% single-family homes and 35% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Rose City, about 33% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 15%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 97% of occupied homes in Rose City are owner-occupied.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Rose City, 55% of homes are primarily heated with electricity.
Orange County had 11,771 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hurricane (Relatively High). See the full Orange 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.
Key figures
| Median home value | $80,000 |
|---|---|
| Median year built | 1990 |
| Owner-occupied share | 97% |
| Share of owner-occupied homes with a mortgage | 33% |
| Top county hazard | Hurricane (Relatively High) |
| Active NFIP policies in Orange County | 11,771 |
| 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)