HomeInsuranceQts

Home Insurance in Rockwall County, Texas

Homes in Rockwall County carry a median value of $415,500 - 46% higher than the Texas median.

The typical home in Rockwall County was built around 2006. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 1% of homes were built before 1960, about 11 points below Texas's 12%.

In Rockwall County, the housing stock is 87% single-family homes, 8% apartments in buildings with 5+ units and 3% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.

70% of owner-occupied homes in Rockwall County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.

About 83% of occupied homes in Rockwall County are owner-occupied. The vacancy rate is 5%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.

Most homes in Rockwall County - 52% - are primarily heated with electricity.

Per FEMA's National Risk Index, Rockwall County's top hazards are tornado (Relatively High), hail (Relatively Moderate) and strong wind (Relatively Moderate).

As of September 2026, Rockwall County has 179 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.

In Texas, the statewide average premium for a standard HO-3 homeowners policy is $2,864 per year (NAIC, 2023 data).

71 licensed insurance agencies serve this area.

Key figures

Median home value$415,500
Median year built2006
Owner-occupied share83%
Share of owner-occupied homes with a mortgage70%
Top hazards (FEMA National Risk Index)Tornado (Relatively High), Hail (Relatively Moderate), Strong Wind (Relatively Moderate)
Active NFIP flood policies (county)179
Home insurance premium$2,864 - statewide average (NAIC, 2023 data)

Towns and cities

Licensed insurance agencies in Rockwall County

...and 11 more licensed agencies.

Data source: Texas Department of Insurance - licensed agencies, https://data.texas.gov/d/3yqc-fcdt

Sources