Home Insurance in Harlingen, Texas
With a median home value of $140,600, Harlingen is close to the Cameron County median.
The typical home in Harlingen was built around 1988. About 16% of homes were built before 1960, about 6 points above Cameron County's 10%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Harlingen is 62% single-family homes, 17% apartments in buildings with 5+ units and 9% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
42% of owner-occupied homes in Harlingen carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 12%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 56% of occupied homes in Harlingen are owner-occupied.
88% of homes in Harlingen are primarily heated with electricity.
Cameron County's top FEMA-rated hazard is hurricane (Very High), per FEMA's National Risk Index. Cameron County had 19,149 active NFIP flood policies as of September 2026. See the full Cameron County home insurance overview for all FEMA hazard ratings and flood coverage details.
In Texas, the statewide average premium for a standard HO-3 homeowners policy is $2,864 per year (NAIC, 2023 data).
28 licensed insurance agencies are listed for this area.
Key figures
| Median home value | $140,600 |
|---|---|
| Median year built | 1988 |
| Owner-occupied share | 56% |
| Share of owner-occupied homes with a mortgage | 42% |
| Top county hazard | Hurricane (Very High) |
| Active NFIP policies in Cameron County | 19,149 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Licensed insurance agencies in Harlingen
- 5 STARR FINANCIAL SERVICES LLC, Harlingen (General Lines Agency)
- 5 STARR FINANCIAL SERVICES LLC, Harlingen (Pers Lines Prop and Cas Agency)
- BALL INSURANCE AGENCY AND ASSOCIATES LLC, Harlingen (General Lines Agency)
- BELINDA CAVAZOS ZAPATA AGENCY LLC, Harlingen (General Lines Agency)
- CAMERON INSURANCE GROUP, INC., Harlingen (General Lines Agency)
- CONBART INVESTMENT CO INC, Harlingen (General Lines Agency)
- CORPORATE RISK ADVISORS LLC, Harlingen (General Lines Agency)
- DANIEL ALBERTO MARTINEZ AGENCY LLC, Harlingen (General Lines Agency)
- GONZALEZ SOLUTIONS GROUP, LLC, Harlingen (General Lines Agency)
- GREER & ASSOCIATES INC, Harlingen (General Lines Agency)
- HINSAL INCORPORATED., Harlingen (General Lines Agency)
- INSURANCE DIALOGUE AGENCY, LLC, Harlingen (General Lines Agency)
- INSURANCE SALES & SERVICE INC, Harlingen (General Lines Agency)
- KKMT INSURANCE GROUP, LLC, Harlingen (General Lines Agency)
- MARTIN INSURANCE PARTNERS LLC, Harlingen (General Lines Agency)
- NSURE N'SAVE FINANCIAL GROUP, LLC, Harlingen (General Lines Agency)
- P & R INCOME TAX AND AUTO INSURANCE, Harlingen (General Lines Agency)
- RAY OLIVAREZ & ASSOCIATES, PLLC, Harlingen (General Lines Agency)
- REGAL INSURANCE GROUP, LLC, Harlingen (General Lines Agency)
- REY MESA INSURANCE AGENCY LLC, Harlingen (General Lines Agency)
- RIO GRANDE UNDERWRITERS INC, Harlingen (General Lines Agency)
- ROCKLAKE INSURANCE GROUP, INC, Harlingen (General Lines Agency)
- TEXAS INSURANCE SERVICE CENTER INC., Harlingen (General Lines Agency)
- TEXAS PHOENIX BUSINESS GROUP, LLC, Harlingen (General Lines Agency)
- THE DOUG THOMPSON AGENCY LLC, Harlingen (General Lines Agency)
- TRB INSURANCE AGENCY, LLC, Harlingen (General Lines Agency)
- TRUSTWORTHY AGENTS LLC, Harlingen (General Lines Agency)
- WADKINS & ASSOCIATES INSURANCE AGENCY, L.L.C., Harlingen (General Lines Agency)
Data source: Texas Department of Insurance - licensed agencies, https://data.texas.gov/d/3yqc-fcdt
Nearby towns
Sources
Data last updated: 2026-09-29
- U.S. Census Bureau Gazetteer Files (2024)
- U.S. Census Bureau, American Community Survey 2020-2024 5-Year Estimates (2024)
- FEMA National Risk Index (December 2025)
- FEMA OpenFEMA NFIP Redacted Policies v3 (2026)
- NAIC Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owners Insurance: Data for 2023 (published 2026) (2023)
- Texas Department of Insurance - licensed agencies (2026)