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Home Insurance in Rosharon, TX
See where Rosharon stands against county and statewide figures before you compare home insurance quotes.
$5,870/yr
About $489/mo · ~$300k-$400k dwelling class
$3,598/yr
About $300/mo after modeled shopping discount
About 38.7% below local market estimate
How Rosharon homes compare
| Measure | Rosharon | Brazoria County | Texas |
|---|---|---|---|
| Median home value | $205,000 | $301,600 | $283,800 |
| Median year built | 2005 | 1996 | 1992 |
| Owner-occupied homes | 66% | 74% | 63% |
| Single-family detached | 77% | 73% | 64% |
| Built before 1980 | 20% | 29% | 33% |
| Built 2000 or later | 77% | 45% | 39% |
| Manufactured homes | 23% | 9% | 6% |
Homes in Rosharon are newer than the county norm, with a median build year of 2005 against 1996 for Brazoria County. Manufactured homes are more common in Rosharon (23% of units) than across Brazoria County (9%).
Census data shows a median home value of $205,000 in Rosharon. Across Brazoria County the median is $301,600. Keep in mind that Coverage A should follow rebuilding cost, not sale price, since the lot itself does not burn or blow away.
Hazard ratings for Brazoria County
| Hazard | FEMA NRI rating | NOAA reports, 2016–2025 |
|---|---|---|
| Hail | Relatively Low | 16 hail reports |
| Tornadoes | Relatively High | 14 tornadoes |
| Strong wind | Relatively Moderate | 48 thunderstorm wind reports |
| Inland flooding | Relatively High | 11 flash floods |
| Hurricanes | Relatively High | – |
| Coastal flooding | Relatively Moderate | – |
| Wildfire | Relatively Low | – |
| Winter weather | Very Low | – |
| Drought | Relatively Moderate | – |
| Lightning | Relatively High | – |
FEMA’s county-level National Risk Index puts Brazoria County in the relatively moderate band overall. Among individual perils, the top ratings go to tornadoes (relatively high), hurricanes (relatively high) and inland flooding (relatively high).
Counting from 2000, 13 major disaster declarations for natural hazards have included Brazoria County. The most recent include Hurricane Beryl (2024), Severe Winter Storms (2021) and Hurricane Harvey (2017).
What the comparison means for your policy
- Rosharon is inside the Texas Windstorm Insurance Association’s designated catastrophe area, because Brazoria 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.
- Flood insurance for unincorporated areas is handled through Brazoria County, which participates in the National Flood Insurance Program. Only about 1 in 4 homes in Brazoria County carries an NFIP policy (27,418 residential policies). NFIP records show 6,507 flood claims in the county since 2016. A homeowners policy will not pay for rising water; flood is a separate policy, and NFIP coverage typically takes 30 days to begin.
- 2005 is the median year built for housing units in Rosharon. Roughly 20% of the housing stock predates 1980 and 77% is from 2000 onward. Recent construction often qualifies for age-of-home discounts, but rebuild costs in new subdivisions can run higher than buyers expect.
Local offices and records
Square footage and build year on file with the Brazoria appraisal district (www.brazoriacad.org) feed straight into replacement-cost estimates, so check them for errors. The district office address is 500 N. Chenango St. Angleton, TX 77515-4650. Rosharon is covered by the NWS Houston/Galveston, TX forecast office, which issues local watches and warnings. The radar the weather service assigns to this point is KHGX.
Rosharon sits within Brazoria County. The Houston-Pasadena-The Woodlands metro area counts Brazoria County among its central counties. Pearland is the closest larger city, roughly 16 miles away, with Rosharon to its southwest.
Questions Rosharon homeowners ask
Which weather risks matter for insuring a home in Rosharon?
Brazoria County is rated relatively moderate overall in FEMA’s National Risk Index. The top-rated hazards are tornadoes (relatively high), hurricanes (relatively high) and inland flooding (relatively high). Flood is the one that needs its own policy; the others are generally covered perils with deductibles.
How much could I save by shopping my Rosharon policy?
On this page we model a 38.7% gap between the local market estimate and our estimate for Rosharon. It is not a quote, and actual savings can be higher, lower or zero.
Is Rosharon in the TWIA coverage area?
Yes. TWIA’s designated catastrophe area covers all of Brazoria County, one of the 14 first-tier coastal counties. Homes that meet TWIA’s eligibility rules can insure wind and hail there if the homeowners carrier excludes those perils.
Has Rosharon been part of a FEMA disaster declaration?
Brazoria County has been included in 13 natural-hazard major disaster declarations since 2000. The most recent was Hurricane Beryl, declared in July 2024. Federal aid for homeowners is limited and often comes as SBA disaster loans, so insurance remains the main way to recover.
Request a Rosharon homeowners quote
Talk to a licensed Texas Insurance Resources agent at 800-875-4711, or get a quote online.
Where the Rosharon numbers come from
All public data on this page was pulled in October 2026. Census numbers are survey estimates. Price estimates near the top are Texas Insurance Resources models for comparison, not quotes or published averages.
- National Risk Index (FEMA), Brazoria County
- American Community Survey 2020–2024, Rosharon CDP: population, median year built, home value, structure type, year built, tenure
- Disaster declarations (FEMA), Brazoria County
- TWIA eligibility
- Census CBSA delineation
- Census Gazetteer coordinates
- NOAA NCEI storm reports, Brazoria County
- Benchmarks: Brazoria County value, Brazoria County build year, Texas value
- Comptroller CAD listing, Brazoria County
- NFIP data (OpenFEMA), Brazoria County
- NWS Houston/Galveston, TX
- Comptroller 2024 regions