HomeInsuranceQts

Home Insurance in El Paso County, Texas

Homes in El Paso County carry a median value of $180,400 - 36% lower than the Texas median.

Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in El Paso County was built around 1988. About 16% of homes were built before 1960, about 4 points above Texas's 12%.

Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in El Paso County is 72% single-family homes, 16% apartments in buildings with 5+ units and 5% mobile or manufactured homes.

In El Paso County, about 53% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.

The vacancy rate is 7%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 64% of occupied homes in El Paso County are owner-occupied.

Most homes in El Paso County - 71% - are primarily heated with natural gas.

The top hazards for El Paso County, per FEMA's National Risk Index, are winter weather (Very High), hail (Very High) and inland flooding (Relatively High).

As of September 2026, El Paso County has 2,889 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.

According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Texas carries a statewide average premium of $2,864 per year.

200 licensed insurance agencies are listed for this area.

Key figures

Median home value$180,400
Median year built1988
Owner-occupied share64%
Share of owner-occupied homes with a mortgage53%
Top hazards (FEMA National Risk Index)Winter Weather (Very High), Hail (Very High), Inland Flooding (Relatively High)
Active NFIP flood policies (county)2,889
Home insurance premium$2,864 - statewide average (NAIC, 2023 data)

Towns and cities

Licensed insurance agencies in El Paso County

...and 140 more licensed agencies.

Data source: Texas Department of Insurance - licensed agencies, https://data.texas.gov/d/3yqc-fcdt

Sources