Home Insurance in Mobile City, Texas
Homes in Mobile City carry a median value of $22,200 - 95% lower than the Rockwall County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Mobile City was built around 1986. About 0% of homes were built before 1960, about 1 point below Rockwall County's 1%.
The housing stock in Mobile City is 2% single-family homes and 98% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
2% of owner-occupied homes in Mobile City carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 36% of occupied homes in Mobile City are owner-occupied.
Most homes in Mobile City - 51% - are primarily heated with natural gas.
What's the biggest home insurance risk near Mobile City? FEMA's National Risk Index points to tornado (Relatively High) in Rockwall County and 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.
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 | $22,200 |
|---|---|
| Median year built | 1986 |
| Owner-occupied share | 36% |
| Share of owner-occupied homes with a mortgage | 2% |
| Top county hazard | Tornado (Relatively High) |
| Active NFIP policies in Rockwall County | 179 |
| 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)