Home Insurance in Heath, Texas
The median home value in Heath is $766,900, 85% higher than the Rockwall County median.
The typical home in Heath was built around 2003. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 1% of homes were built before 1960, in line with Rockwall County (1%).
In Heath, the housing stock is 97% single-family homes, 1% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
About 62% of owner-occupied homes in Heath have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Heath has an owner-occupancy rate of 98% and a vacancy rate of 2%; unoccupied homes typically need a different coverage form.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Heath, 58% of homes are primarily heated with natural gas.
FEMA rates Rockwall County's overall risk as Relatively Low, led by tornado (Relatively High). Rockwall County had 179 active NFIP flood policies as of September 2026. See the full Rockwall County home insurance overview for all FEMA hazard ratings and flood coverage details.
In Texas, the statewide average premium for a standard HO-3 homeowners policy is $2,864 per year (NAIC, 2023 data).
8 licensed insurance agencies serve this area.
Key figures
| Median home value | $766,900 |
|---|---|
| Median year built | 2003 |
| Owner-occupied share | 98% |
| Share of owner-occupied homes with a mortgage | 62% |
| Top county hazard | Tornado (Relatively High) |
| Active NFIP policies in Rockwall County | 179 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Licensed insurance agencies in Heath
- COVIE LIFE & ASSOCIATES LLC, Heath (General Lines Agency)
- EMPLOYERS INSURANCE AGENCY INC, Heath (General Lines Agency)
- GULF STATES GENERAL AGENCY, LTD, Heath (General Lines Agency)
- H SQUARED SOLUTIONS CORP., Heath (General Lines Agency)
- HFG VENTURES, L.L.C., Heath (General Lines Agency)
- HFG, LLC, Heath (General Lines Agency)
- THE GRATUS GROUP, LLC, Heath (General Lines Agency)
- THE SLOCUM AGENCY, LLC, Heath (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)