Home Insurance in San Elizario, Texas
With a median home value of $110,400, San Elizario is 39% lower than the El Paso County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in San Elizario was built around 2001. About 4% of homes were built before 1960, about 12 points below El Paso County's 16%.
The housing stock in San Elizario is 53% single-family homes, 5% apartments in buildings with 5+ units and 23% 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.
36% of owner-occupied homes in San Elizario carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
San Elizario has an owner-occupancy rate of 68% and a vacancy rate of 9%; unoccupied homes typically need a different coverage form.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 73% of homes in San Elizario are primarily heated with natural gas.
El Paso County had 2,889 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is winter weather (Very High). 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).
Key figures
| Median home value | $110,400 |
|---|---|
| Median year built | 2001 |
| Owner-occupied share | 68% |
| Share of owner-occupied homes with a mortgage | 36% |
| 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) |
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)