HomeInsuranceQts

Home Insurance in El Paso, Texas

Homes in El Paso carry a median value of $184,500 - close to the El Paso County median.

Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in El Paso was built around 1984. About 19% of homes were built before 1960, about 3 points above El Paso County's 16%.

The housing stock in El Paso is 70% single-family homes, 19% apartments in buildings with 5+ units and 3% mobile or manufactured homes.

About 54% of owner-occupied homes in El Paso have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.

El Paso has an owner-occupancy rate of 61% and a vacancy rate of 8%; unoccupied homes typically need a different coverage form.

Most homes in El Paso - 72% - are primarily heated with natural gas.

What's the biggest home insurance risk near El Paso? FEMA's National Risk Index points to winter weather (Very High) in El Paso County and El Paso County had 2,889 active NFIP flood policies as of September 2026. See the full El Paso County home insurance overview for all FEMA hazard ratings and flood coverage details.

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

192 licensed insurance agencies serve this area.

Key figures

Median home value$184,500
Median year built1984
Owner-occupied share61%
Share of owner-occupied homes with a mortgage54%
Top county hazardWinter Weather (Very High)
Active NFIP policies in El Paso County2,889
Home insurance premium$2,864 - statewide average (NAIC, 2023 data)
Key home insurance figures for El Paso, TX

Licensed insurance agencies in El Paso

...and 132 more licensed agencies.

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

Nearby towns

Sources

Data last updated: 2026-09-29