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Home Insurance in Rhome, TX
See where Rhome stands against county and statewide figures before you compare home insurance quotes.
$5,342/yr
About $445/mo · ~$300k-$400k dwelling class
$3,430/yr
About $286/mo after modeled shopping discount
About 35.8% below local market estimate
How Rhome homes compare
| Measure | Rhome | Wise County | Texas |
|---|---|---|---|
| Median home value | $260,100 | $304,900 | $283,800 |
| Median year built | 2002 | 1996 | 1992 |
| Owner-occupied homes | 88% | 81% | 63% |
| Single-family detached | 69% | 71% | 64% |
| Built before 1980 | 18% | 25% | 33% |
| Built 2000 or later | 58% | 42% | 39% |
| Manufactured homes | 24% | 22% | 6% |
Homes in Rhome are newer than the county norm, with a median build year of 2002 against 1996 for Wise County.
Owners in Rhome put the median value of their homes at $260,100. The county-wide figure is higher, at $304,900. Your dwelling limit should be built from square footage, materials and local labor costs rather than what the house would sell for.
Wise County hazards and storm counts
| Hazard | FEMA NRI rating | NOAA reports, 2016–2025 |
|---|---|---|
| Hail | Relatively Moderate | 115 hail reports |
| Tornadoes | Relatively Moderate | 8 tornadoes |
| Strong wind | Relatively Low | 58 thunderstorm wind reports |
| Inland flooding | Relatively Low | 18 flash floods |
| Hurricanes | Very Low | – |
| Wildfire | Relatively Moderate | – |
| Winter weather | Relatively Low | – |
| Drought | Relatively Low | – |
| Lightning | Very Low | – |
Wise County lands in the relatively low category of FEMA’s National Risk Index. Hazard by hazard, the strongest scores are for hail (relatively moderate), tornadoes (relatively moderate) and wildfire (relatively moderate).
FEMA has issued 6 natural-hazard major disaster declarations covering Wise County since 2000. Recent ones: Severe Winter Storms (2021), Severe Storms, Tornadoes, Straight-line Winds and Flooding (2015) and Wildfires (2011).
What the comparison means for your policy
- TWIA does not write in Wise County; wind and hail claims go through your regular homeowners policy, which may carry its own wind/hail deductible.
- The city takes part in the National Flood Insurance Program, which makes federal flood policies available. Its flood map now in force took effect in December 2011. Only about 1 in 182 homes in Wise County carries an NFIP policy (156 residential policies). Wise County has produced 18 NFIP claims from 2016 on. Remember that flood is excluded from homeowners policies and NFIP coverage usually starts 30 days after purchase.
- Half of the housing in Rhome dates from 2002 or earlier, per Census estimates. Pre-1980 houses are about 18% of the stock, and post-2000 houses about 58%. Many homes here are recent builds, so the main variables are roof material, deductible choice and making sure the dwelling limit tracks today’s construction costs.
Local offices and records
Your property record, including square footage and year built, is on the Wise appraisal district site at www.wise-cad.com (phone 940-627-3081). You can also visit the office at 400 E. Business 380 Decatur, TX 76234-3165. For local warnings, the responsible National Weather Service office is NWS Fort Worth/Dallas, TX. Its assigned radar site for Rhome is KFWS.
Rhome sits within Wise County. Wise County counts as an outlying county of the Dallas-Fort Worth-Arlington metro area. By straight-line distance, Rhome is about 22 miles north of Fort Worth.
FAQ: Rhome home insurance
How risky is Wise County for natural hazards?
Wise County is rated relatively low overall in FEMA’s National Risk Index. The highest individual ratings are for hail (relatively moderate), tornadoes (relatively moderate) and wildfire (relatively moderate). Those are the perils to ask about when you compare deductibles and endorsements.
Do I need a local agent for a Rhome home?
No. Rhome is about 22 miles north of Fort Worth, and carriers rate by address, not by where the agent sits. An independent agency can compare several carriers for your exact location by phone or online.
How much dwelling coverage do Rhome homes need?
Enough to rebuild, which is not the same as market value. Census data puts the Rhome median at $260,100, but your dwelling limit should equal what it would cost to rebuild the house at today’s labor and material prices.
How much could I save by shopping my Rhome policy?
Our illustrative TX Insurance Resources estimate for Rhome reflects a modeled 35.8% improvement versus the local market anchor. It is an estimate for comparison only; real results vary by home, coverage and carrier.
Get a Rhome home insurance quote
Talk to a licensed Texas Insurance Resources agent at 800-875-4711, or get a quote online.
Data sources and notes
Figures were retrieved in October 2026 and are estimates with margins of error. The two price cards are modeled estimates from Texas Insurance Resources, not quotes.
- Texas Windstorm Insurance Association
- Disaster declarations (FEMA), Wise County
- Texas Comptroller regions
- Census ACS 2020–2024, Rhome city: home value, year built, tenure, population, structure type, median year built
- Comptroller county directory, Wise County
- NWS Fort Worth/Dallas, TX
- Community Status Book (NFIP)
- National Risk Index (FEMA), Wise County
- Benchmarks: Wise County value, Wise County build year, Texas value
- Census metro delineation
- Gazetteer (Census)
- NFIP data (OpenFEMA), Wise County
- NOAA Storm Events Database, Wise County