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Home Insurance in Rockdale, TX
How Rockdale homes and hazards compare with Milam County and Texas as a whole, and what the differences mean for your policy.
$3,341/yr
About $278/mo · ~$300k-$400k dwelling class
$2,021/yr
About $168/mo after modeled shopping discount
About 39.5% below local market estimate
How Rockdale homes compare
| Measure | Rockdale | Milam County | Texas |
|---|---|---|---|
| Median home value | $230,900 | $189,800 | $283,800 |
| Median year built | 1977 | 1983 | 1992 |
| Owner-occupied homes | 63% | 77% | 63% |
| Single-family detached | 83% | 75% | 64% |
| Built before 1980 | 57% | 46% | 33% |
| Built 2000 or later | 13% | 30% | 39% |
| Manufactured homes | 9% | 17% | 6% |
Rockdale’s homes skew older than the county as a whole: median year built 1977, compared with 1983 across Milam County. Owner-occupancy is lower than the county figure (63% versus 77%). Manufactured homes are less common in Rockdale (9% of units) than across Milam County (17%).
The median owner-estimated home value in Rockdale is $230,900. That sits above the county-wide median of $189,800. A home’s market value is a starting point only; the dwelling limit should reflect labor and materials to rebuild it at today’s prices.
Milam County hazards and storm counts
| Hazard | FEMA NRI rating | NOAA reports, 2016–2025 |
|---|---|---|
| Hail | Relatively Moderate | 14 hail reports |
| Tornadoes | Relatively Moderate | 6 tornadoes |
| Strong wind | Relatively Low | 27 thunderstorm wind reports |
| Inland flooding | Relatively Low | 11 flash floods |
| Hurricanes | Relatively Low | – |
| Wildfire | Relatively Low | – |
| Winter weather | Relatively Low | – |
| Drought | Relatively Moderate | – |
| Lightning | Relatively High | – |
FEMA’s county-level National Risk Index puts Milam County in the relatively low band overall. Its leading hazards, by rating, are lightning (relatively high), hail (relatively moderate) and tornadoes (relatively moderate).
FEMA has issued 11 natural-hazard major disaster declarations covering Milam County since 2000. The latest declarations were Hurricane Beryl (2024), Severe Storms, Straight-line Winds, Tornadoes, and Flooding (2024) and Severe Winter Storm (2023).
What the comparison means for your policy
- Milam County is outside TWIA’s designated catastrophe area, so wind and hail are normally covered by the homeowners policy itself, often with a separate percentage deductible.
- The city takes part in the National Flood Insurance Program, which makes federal flood policies available. The effective FEMA flood map for the community is from February 1984. NFIP data counts 46 residential flood policies in Milam County, about 1 for every 233 homes. Flood needs its own policy, and buying one right before a storm will not help because of the usual 30-day wait.
- Half of the housing in Rockdale dates from 1977 or earlier, per Census estimates. The split is roughly 57% pre-1980 construction versus 13% built from 2000 on. Many of these houses predate modern building codes, so documenting upgrades such as a newer panel or repiped plumbing can widen your carrier choices.
Local offices and records
The Milam County appraisal district (www.milamad.org) publishes the square footage, year built and improvements insurers use to estimate rebuild cost. Its office is at 120 N. Houston Ave. Cameron, TX 76520-3321. The NWS Fort Worth/Dallas, TX office handles forecasts and storm warnings for Rockdale. Its assigned radar site for Rockdale is KGRK.
The county for Rockdale is Milam County. Milam County is not part of a metropolitan or micropolitan area in the federal delineation. The nearest bigger city is Round Rock, about 40 miles from Rockdale as the crow flies.
Rockdale coverage questions
How risky is Milam County for natural hazards?
FEMA’s National Risk Index rates overall risk in Milam County as relatively low. The top-rated hazards are lightning (relatively high), hail (relatively moderate) and tornadoes (relatively moderate). Use that list to decide where higher limits or a lower deductible are worth the premium.
Is the median home value in Rockdale the right dwelling limit?
Usually not. The median owner-estimated value in Rockdale is $230,900, yet that number includes land and location. Carriers estimate replacement cost from size, construction and finishes, and that is what the dwelling limit should follow.
How often has Milam County had federal disaster declarations?
Milam County has been included in 11 natural-hazard major disaster declarations since 2000. The most recent was Hurricane Beryl, declared in July 2024. Disaster aid rarely covers a full rebuild, which is why adequate limits matter.
Does TWIA cover homes in Rockdale?
No, Milam County is not in TWIA territory. Look instead at the wind and hail deductible on your homeowners quotes, since that is where storm costs land.
Get a Rockdale home insurance quote
Texas Insurance Resources shops multiple carriers for you. Call 800-875-4711 or start 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.
- NWS Fort Worth/Dallas, TX
- Storm Events Database (NOAA), Milam County
- Census metro delineation
- Census Gazetteer coordinates
- FEMA disaster declarations, Milam County
- FEMA Community Status Book
- Census ACS 2020–2024, Rockdale city: structure type, home value, year built, median year built, population, tenure
- Benchmarks: Milam County value, Milam County build year, Texas value
- TWIA coverage area
- Comptroller 2024 regions
- FEMA National Risk Index, Milam County
- OpenFEMA NFIP data, Milam County
- Comptroller county directory, Milam County