Home Insurance in Alton, Texas
Homes in Alton carry a median value of $156,300 - 11% higher than the Hidalgo County median.
The typical home in Alton was built around 2006. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 0% of homes were built before 1960, about 4 points below Hidalgo County's 4%.
The housing stock in Alton is 64% single-family homes, 9% apartments in buildings with 5+ units and 5% 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.
46% of owner-occupied homes in Alton carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Alton has an owner-occupancy rate of 55% and a vacancy rate of 11%; unoccupied homes typically need a different coverage form.
In Alton, 93% of homes are primarily heated with electricity.
Hidalgo County had 9,570 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hurricane (Very High). 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).
2 licensed insurance agencies serve this area.
Key figures
| Median home value | $156,300 |
|---|---|
| Median year built | 2006 |
| Owner-occupied share | 55% |
| Share of owner-occupied homes with a mortgage | 46% |
| 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 Alton
- ANCHOR BROKERAGE SOLUTIONS LLC, Alton (General Lines Agency)
- NADYA STATE CORPORATION, Alton (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)