Home Insurance in Alamo, Texas
Homes in Alamo carry a median value of $145,100 - close to the Hidalgo County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Alamo was built around 1997. About 2% of homes were built before 1960, about 3 points below Hidalgo County's 4%.
The housing stock in Alamo is 56% single-family homes, 4% apartments in buildings with 5+ units and 35% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
40% of owner-occupied homes in Alamo carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 22%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 74% of occupied homes in Alamo are owner-occupied.
Most homes in Alamo - 82% - are primarily heated with electricity. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Hidalgo County's top FEMA-rated hazard is hurricane (Very High), per FEMA's National Risk Index. Hidalgo County had 9,570 active NFIP flood policies as of September 2026. See the full Hidalgo County home insurance overview for all FEMA hazard ratings and flood coverage details.
In Texas, the statewide average premium for a standard HO-3 homeowners policy is $2,864 per year (NAIC, 2023 data).
5 licensed insurance agencies serve this area.
Key figures
| Median home value | $145,100 |
|---|---|
| Median year built | 1997 |
| Owner-occupied share | 74% |
| Share of owner-occupied homes with a mortgage | 40% |
| Top county hazard | Hurricane (Very High) |
| Active NFIP policies in Hidalgo County | 9,570 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Licensed insurance agencies in Alamo
- BUENROSTRO FINANCIAL LLC, Alamo (General Lines Agency)
- DON RAMON INSURANCE AGENCY LLC, Alamo (General Lines Agency)
- FTO TEXAS, LLC, Alamo (Pers Lines Prop and Cas Agency)
- PUEBLO INSURANCE GROUP #3 LLC, Alamo (General Lines Agency)
- TOWER INSURANCE AGENCY LLC, Alamo (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)