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Home Insurance in Heath, TX
Side-by-side numbers for Heath, Rockwall County and the state, covering housing, hazards and flood insurance.
$4,902/yr
About $408/mo · ~$300k-$400k dwelling class
$2,814/yr
About $234/mo after modeled shopping discount
About 42.6% below local market estimate
Heath, Rockwall County and Texas side by side
| Measure | Heath | Rockwall County | Texas |
|---|---|---|---|
| Median home value | $766,900 | $415,500 | $283,800 |
| Median year built | 2003 | 2006 | 1992 |
| Owner-occupied homes | 98% | 83% | 63% |
| Single-family detached | 97% | 85% | 64% |
| Built before 1980 | 8% | 7% | 33% |
| Built 2000 or later | 59% | 67% | 39% |
| Manufactured homes | less than 1% | 3% | 6% |
Home ages in Heath are close to the Rockwall County pattern (median year built 2003 versus 2006). Owner-occupancy is higher than the county figure (98% versus 83%).
Owners in Heath put the median value of their homes at $766,900. The Rockwall County figure is lower, at $415,500. Land value is part of a sale price but not of a rebuild, so the right Coverage A figure can be well above or below market value.
Weather risk in Rockwall County, rated
| Hazard | FEMA NRI rating | NOAA reports, 2016–2025 |
|---|---|---|
| Hail | Relatively Moderate | 30 hail reports |
| Tornadoes | Relatively High | 4 tornadoes |
| Strong wind | Relatively Moderate | 9 thunderstorm wind reports |
| Inland flooding | Relatively Low | 4 flash floods |
| Hurricanes | Very Low | – |
| Wildfire | Relatively Low | – |
| Winter weather | Relatively Low | – |
| Drought | Relatively Low | – |
| Lightning | Relatively Low | – |
Rockwall County lands in the relatively low category of FEMA’s National Risk Index. Hazard by hazard, the strongest scores are for tornadoes (relatively high), hail (relatively moderate) and strong wind (relatively moderate).
Natural hazards have put Rockwall County in 5 federal major disaster declarations since 2000. Among the most recent are Severe Storms, Straight-line Winds, Tornadoes, and Flooding (2024), Severe Winter Storms (2021) and Severe Winter Storms, Tornadoes, Straight-line Winds, and Flooding (2016).
Coverage takeaways for Heath
- Since Rockwall County is not a TWIA county, look at how your homeowners policy handles wind and hail, including whether that deductible is a flat amount or a percentage of the dwelling limit.
- Heath participates in the National Flood Insurance Program, so NFIP policies are available to residents. Its flood map now in force took effect in January 2023. Across Rockwall County, 158 residential NFIP policies were in force, roughly 1 for every 213 homes. Policyholders in the county have filed 26 NFIP claims since 2016. Since homeowners forms exclude flood, plan ahead: most NFIP policies only take effect after a 30-day waiting period.
- 2003 is the median year built for housing units in Heath. 59% of local homes are from 2000 or later, compared with 8% built before 1980. Builders’ finishes in newer homes, such as stone counters and custom trim, push replacement cost up, so check that Coverage A keeps pace.
Contacts for Heath homeowners
Square footage and build year on file with the Rockwall appraisal district (www.rockwallcad.com) feed straight into replacement-cost estimates, so check them for errors. Its office is at 841 Justin Rd. Rockwall, TX 75087-4842. Heath is covered by the NWS Fort Worth/Dallas, TX forecast office, which issues local watches and warnings. The associated NEXRAD radar is KFWS.
Most of Heath lies in Rockwall County, and the city limits also reach into Kaufman County. Rockwall County forms part of the urban core of the Dallas-Fort Worth-Arlington metro. The nearest bigger city is Rockwall, about 5 miles from Heath as the crow flies.
Heath coverage questions
What natural hazards affect Heath homes most?
FEMA’s National Risk Index rates overall risk in Rockwall County as relatively low. Its standout hazards are tornadoes (relatively high), hail (relatively moderate) and strong wind (relatively moderate). Those are the perils to ask about when you compare deductibles and endorsements.
Is homeowners coverage mandatory for Heath homeowners?
Texas does not mandate homeowners insurance, yet nearly every mortgage requires it. Owners without a loan still carry the full cost of a fire, hail or theft loss if uninsured.
Can I get TWIA windstorm coverage in Heath?
No. Rockwall County is outside TWIA’s designated catastrophe area, so wind and hail are covered by the homeowners policy itself, usually with a separate wind and hail deductible.
What is a typical savings range when switching?
On this page we model a 42.6% gap between the local market estimate and our estimate for Heath. It is not a quote, and actual savings can be higher, lower or zero.
Request a Heath homeowners quote
Texas Insurance Resources shops multiple carriers for you. Call 800-875-4711 or start online.
Sources and methodology
Data reflects the most recent releases available in October 2026; survey figures carry margins of error. The two price cards are modeled estimates from Texas Insurance Resources, not quotes.
- NOAA Storm Events Database, Rockwall County
- NWS Fort Worth/Dallas, TX
- Census ACS 2020–2024, Heath city: home value, year built, median year built, structure type, population, tenure
- FEMA disaster declarations, Rockwall County
- TWIA eligibility
- OMB metro and micro areas
- Gazetteer (Census)
- Comptroller county directory, Rockwall County
- FEMA Community Status Book
- Comparison figures: Rockwall County value, Rockwall County build year, Texas value
- FEMA National Risk Index, Rockwall County
- OpenFEMA flood insurance data, Rockwall County
- Comptroller economic regions