HomeInsuranceQts

Home Insurance in Hidalgo County, Texas

Homes in Hidalgo County carry a median value of $140,900 - 50% lower than the Texas median.

The typical home in Hidalgo County was built around 2000. About 4% of homes were built before 1960, about 8 points below Texas's 12%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.

In Hidalgo County, the housing stock is 67% single-family homes, 9% apartments in buildings with 5+ units and 14% 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.

39% of owner-occupied homes in Hidalgo County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.

The vacancy rate is 12%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 67% of occupied homes in Hidalgo County are owner-occupied.

Most homes in Hidalgo County - 91% - are primarily heated with electricity.

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

Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Hidalgo County has 9,570 active NFIP flood policies on file.

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.

This area lists 242 licensed insurance agencies.

Key figures

Median home value$140,900
Median year built2000
Owner-occupied share67%
Share of owner-occupied homes with a mortgage39%
Top hazards (FEMA National Risk Index)Hurricane (Very High), Hail (Very High), Inland Flooding (Relatively High)
Active NFIP flood policies (county)9,570
Home insurance premium$2,864 - statewide average (NAIC, 2023 data)

Towns and cities

Licensed insurance agencies in Hidalgo County

...and 182 more licensed agencies.

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

Sources