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A starting point for diligence, not a safety or compliance rating. Full flood, structural, and hazard detail is below.
Public record · Federal hazard-risk index, federal flood-hazard maps
Public record · Federal flood-hazard maps
Relatively Low composite risk for this neighborhood area · 43rd percentile of TX neighborhood areas
17 federal disaster declarations for this county, including 3 hurricanes, most recent May 2024.
For context, not a safety rating.
Public record · Federal hazard-risk index, federal disaster declarations
Participates in the federal flood insurance program · ROCKWALL, CITY OF
Reference only; flood-insurance requirements depend on your specific flood zone and lender.
Public record · Federal flood program records
Annual change in ZIP 75087
2020 +3.6% · 2021 +13.1% · 2022 +24.8% · 2023 +4.4% · 2024 +0.7% · 2025 -3.5%
Area price appreciation for context, not an appraisal of this association or any unit. Its publisher labels the index developmental: it is built from conforming-mortgage data, and small housing markets are suppressed.
Public record · Federal house-price index · as of Mar 2026
Monthly HOA and condo fees reported by owners in this part of the state, from federal household survey estimates.
Peer context, not financial advice: area-level survey medians describe the market, not what any specific community should charge.
From public officer filings · 2026 Q2 snapshot
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Managed by Guardian Association Management, LLC
0% of nearby housing sits in 5+ unit buildings, most of it built in the 2010s.
Neighborhood-area figures, not the association itself. Useful as neighborhood context.
Public record · Federal community survey estimates
Common Elements directory
Public record · Recorded management certificate
TX TREC Management Certificate — The Shores on Lake Ray Hubbard Owners Association
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Public record · Recorded documents
Most recent significant event in Rockwall County: Flash flood, Nov 20, 2025.
County-level weather records from the federal storm-event database, for context. Each event is logged for a whole county or forecast zone, not for individual properties, so counts and damage estimates describe Rockwall County as a whole, never this association's own loss history.
Public record · Federal storm-event records · events since 2015
Homeowners insurance in ZIP 75087 · 2022
Average premium changed +16.8% across the filed window (2018 to 2022).
ZIP-area averages from federal filings, not a quote for this building. Your rate depends on the building's construction, claims history, and coverage.
Public record · Federal homeowners-insurance filings · as of 2018 to 2022
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Recorded management certificate
On file as The Shores on Lake Ray Hubbard Owners Association
Principal address · Legal name
Source not recorded
Type
Geocoded from the address on file
Map location
Geocoded 2026-05-20
Public record
2 linked public records
Names are shown in title case for readability. The string above is the name on file, unchanged.
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