HomeInsuranceQts

Home Insurance in Rockwall, Texas

The median home value in Rockwall is $411,700, close to the Rockwall County median.

The typical home in Rockwall was built around 2003. About 1% of homes were built before 1960, in line with Rockwall County (1%). Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.

In Rockwall, the housing stock is 80% single-family homes, 15% apartments in buildings with 5+ units and 1% mobile or manufactured homes.

About 67% of owner-occupied homes in Rockwall have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.

Rockwall has an owner-occupancy rate of 72% and a vacancy rate of 5%; unoccupied homes typically need a different coverage form.

Most homes in Rockwall - 52% - are primarily heated with natural gas.

What's the biggest home insurance risk near Rockwall? 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.

This area lists 51 licensed insurance agencies.

Key figures

Median home value$411,700
Median year built2003
Owner-occupied share72%
Share of owner-occupied homes with a mortgage67%
Top county hazardTornado (Relatively High)
Active NFIP policies in Rockwall County179
Home insurance premium$2,864 - statewide average (NAIC, 2023 data)
Key home insurance figures for Rockwall, TX

Licensed insurance agencies in Rockwall

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

Nearby towns

Sources

Data last updated: 2026-09-29