Home Insurance in Royse City, Texas
Homes in Royse City carry a median value of $322,500 - 22% lower than the Rockwall County median.
The typical home in Royse City was built around 2010. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 5% of homes were built before 1960, about 4 points above Rockwall County's 1%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Royse City is 86% single-family homes, 5% apartments in buildings with 5+ units and 7% mobile or manufactured homes.
About 78% of owner-occupied homes in Royse City have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Royse City has an owner-occupancy rate of 84% and a vacancy rate of 8%; unoccupied homes typically need a different coverage form.
64% of homes in Royse City are primarily heated with electricity.
Rockwall County had 179 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is tornado (Relatively High). 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.
7 licensed insurance agencies serve this area.
Key figures
| Median home value | $322,500 |
|---|---|
| Median year built | 2010 |
| Owner-occupied share | 84% |
| Share of owner-occupied homes with a mortgage | 78% |
| 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 Royse City
- BOB ELLIS INSURANCE SERVICES, P.C., Royse City (General Lines Agency)
- DECAGON INSURANCE GROUP, LLC, Royse City (General Lines Agency)
- KARI HARGRAVE INSURANCE AGENCY, INC., Royse City (General Lines Agency)
- MAHAFFEY INSURANCE AGENCY LLC, Royse City (Pers Lines Prop and Cas Agency)
- MAHAFFEY INSURANCE AGENCY LLC, Royse City (General Lines Agency)
- ROOTEZ INSURANCE AGENCY LLC, Royse City (General Lines Agency)
- WILLOW CONCIERGE CORPORATION, Royse City (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)