Home Insurance in Dilley, Texas
The median home value in Dilley is $106,400, close to the Frio County median.
The typical home in Dilley was built around 1985. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 15% of homes were built before 1960, about 2 points above Frio County's 13%.
The housing stock in Dilley is 54% single-family homes, 13% apartments in buildings with 5+ units and 22% 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.
In Dilley, about 22% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 63% of occupied homes in Dilley are owner-occupied. The vacancy rate is 14%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. Most homes in Dilley - 76% - are primarily heated with electricity.
What's the biggest home insurance risk near Dilley? FEMA's National Risk Index points to wildfire (Relatively Low) in Frio County and Frio County had 16 active NFIP flood policies as of September 2026. See the full Frio 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.
1 licensed insurance agencies are listed for this area.
Key figures
| Median home value | $106,400 |
|---|---|
| Median year built | 1985 |
| Owner-occupied share | 63% |
| Share of owner-occupied homes with a mortgage | 22% |
| Top county hazard | Wildfire (Relatively Low) |
| Active NFIP policies in Frio County | 16 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Licensed insurance agencies in Dilley
- CADS GROUP, INC., Dilley (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)