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Home Insurance in Rockport, TX
Side-by-side numbers for Rockport, Aransas County and the state, covering housing, hazards and flood insurance.
$4,721/yr
About $393/mo · ~$300k-$400k dwelling class
$2,974/yr
About $248/mo after modeled shopping discount
About 37% below local market estimate
Rockport, Aransas County and Texas side by side
| Measure | Rockport | Aransas County | Texas |
|---|---|---|---|
| Median home value | $320,500 | $265,400 | $283,800 |
| Median year built | 1989 | 1998 | 1992 |
| Owner-occupied homes | 71% | 77% | 63% |
| Single-family detached | 68% | 69% | 64% |
| Built before 1980 | 30% | 24% | 33% |
| Built 2000 or later | 38% | 48% | 39% |
| Manufactured homes | 5% | 14% | 6% |
Rockport’s homes skew older than the county as a whole: median year built 1989, compared with 1998 across Aransas County. Manufactured homes are less common in Rockport (5% of units) than across Aransas County (14%).
The typical owner-occupied home in Rockport is valued at about $320,500. For comparison, Aransas County as a whole comes in at $265,400. 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.
Hazard ratings for Aransas County
| Hazard | FEMA NRI rating | NOAA reports, 2016–2025 |
|---|---|---|
| Hail | Very Low | 5 hail reports |
| Tornadoes | Relatively Low | 3 tornadoes |
| Strong wind | Relatively Low | 9 thunderstorm wind reports |
| Inland flooding | Relatively Low | 20 flash floods |
| Hurricanes | Relatively Moderate | – |
| Coastal flooding | Relatively Moderate | – |
| Wildfire | Very Low | – |
| Winter weather | Very Low | – |
| Drought | Very Low | – |
| Lightning | Relatively Low | – |
The National Risk Index from FEMA scores Aransas County as relatively low for combined natural-hazard risk. Among individual perils, the top ratings go to hurricanes (relatively moderate), coastal flooding (relatively moderate) and cold waves (relatively moderate).
FEMA has issued 9 natural-hazard major disaster declarations covering Aransas County since 2000. Among the most recent are Hurricane Beryl (2024), Severe Winter Storms (2021) and Hurricane Harvey (2017).
What the comparison means for your policy
- Rockport is inside the Texas Windstorm Insurance Association’s designated catastrophe area, because Aransas County is one of the 14 first-tier coastal counties. If a private carrier excludes wind and hail, TWIA can fill that gap for eligible properties.
- Rockport participates in the National Flood Insurance Program, so NFIP policies are available to residents. The flood insurance rate map in effect was issued in February 2016. Through FEMA’s Community Rating System it is rated Class 8, worth a 10% discount on NFIP policies in the special flood hazard area. Flood coverage is far from universal: 3,808 residential NFIP policies in Aransas County, or about 1 per 4 homes. Policyholders in the county have filed 2,800 NFIP claims since 2016. Flood needs its own policy, and buying one right before a storm will not help because of the usual 30-day wait.
- According to the Census Bureau, the typical home in Rockport went up around 1989. The split is roughly 30% pre-1980 construction versus 38% built from 2000 on. A middle-aged housing stock means roof age matters a lot: a roof past roughly 15 to 20 years can move a policy to actual cash value roof coverage with some carriers.
Contacts for Rockport homeowners
Before you request quotes, pull your record from the Aransas appraisal district at www.aransascad.org; the Texas Comptroller’s Aransas County directory lists its contact details. The district office address is 11 Hwy 35 N Rockport, TX 78382-4140. Rockport is covered by the NWS Corpus Christi, TX forecast office, which issues local watches and warnings. Its assigned radar site for Rockport is KCRP.
Rockport belongs to Aransas County. The Corpus Christi metro reaches out to include Aransas County. Head about 22 miles from Rockport and you reach Corpus Christi, the nearest larger city.
Rockport coverage questions
Which weather risks matter for insuring a home in Rockport?
Overall, FEMA scores Aransas County as relatively low. The top-rated hazards are hurricanes (relatively moderate), coastal flooding (relatively moderate) and cold waves (relatively moderate). Use that list to decide where higher limits or a lower deductible are worth the premium.
What does the Rockport savings estimate on this page mean?
On this page we model a 37% gap between the local market estimate and our estimate for Rockport. It is not a quote, and actual savings can be higher, lower or zero.
Can I get competitive quotes in Rockport from carriers outside the area?
Yes. Pricing depends on your address and home, not the agent’s office. Whether you are in Rockport or Corpus Christi, about 22 miles away, an independent agency can shop multiple carriers remotely.
Is windstorm insurance through TWIA an option in Rockport?
Yes. Aransas County is one of the 14 first-tier coastal counties in TWIA’s designated catastrophe area, so eligible homes can buy windstorm and hail coverage from TWIA when private carriers exclude it.
Compare Rockport home insurance quotes
Compare carriers with Texas Insurance Resources. Call 800-875-4711 or request a quote online.
Where the Rockport numbers come from
Data reflects the most recent releases available in October 2026; survey figures carry margins of error. Premium figures in the estimate cards are illustrative models, not quotes.
- NFIP data (OpenFEMA), Aransas County
- American Community Survey 2020–2024, Rockport city: structure type, population, home value, year built, median year built, tenure
- Texas Windstorm Insurance Association
- Census CBSA delineation
- Gazetteer (Census)
- Comptroller county directory, Aransas County
- FEMA disaster declarations, Aransas County
- NOAA Storm Events Database, Aransas County
- FEMA NRI county ratings, Aransas County
- NWS Corpus Christi, TX
- Community Status Book (NFIP)
- Benchmarks: Aransas County value, Aransas County build year, Texas value
- Comptroller economic regions