Home Insurance in Horizon City, Texas
The median home value in Horizon City is $170,200, 6% lower than the El Paso County median.
The typical home in Horizon City was built around 2004. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 1% of homes were built before 1960, about 15 points below El Paso County's 16%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Horizon City is 92% single-family homes, 1% apartments in buildings with 5+ units and 3% mobile or manufactured homes.
65% of owner-occupied homes in Horizon City carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Horizon City has an owner-occupancy rate of 85% and a vacancy rate of 5%; unoccupied homes typically need a different coverage form.
78% of homes in Horizon City are primarily heated with natural gas.
El Paso County's top FEMA-rated hazard is winter weather (Very High), per FEMA's National Risk Index. 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.
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.
3 licensed insurance agencies serve this area.
Key figures
| Median home value | $170,200 |
|---|---|
| Median year built | 2004 |
| Owner-occupied share | 85% |
| Share of owner-occupied homes with a mortgage | 65% |
| Top county hazard | Winter Weather (Very High) |
| Active NFIP policies in El Paso County | 2,889 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Licensed insurance agencies in Horizon City
- ASEGURA-T INSURANCE AGENCY LLC, Horizon City (General Lines Agency)
- PINON INSURANCE GROUP INC., Horizon City (General Lines Agency)
- YVETTE PENA INSURANCE AGENCY INC., Horizon City (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)