Home Insurance in Donna, Texas
Homes in Donna carry a median value of $86,100 - 39% lower than the Hidalgo County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Donna was built around 1989. About 11% of homes were built before 1960, about 7 points above Hidalgo County's 4%.
In Donna, the housing stock is 61% single-family homes, 8% apartments in buildings with 5+ units and 18% 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.
About 27% of owner-occupied homes in Donna have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Donna has an owner-occupancy rate of 58% and a vacancy rate of 16%; unoccupied homes typically need a different coverage form.
82% of homes in Donna are primarily heated with electricity.
What's the biggest home insurance risk near Donna? FEMA's National Risk Index points to hurricane (Very High) in Hidalgo County and 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.
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 7 licensed insurance agencies.
Key figures
| Median home value | $86,100 |
|---|---|
| Median year built | 1989 |
| Owner-occupied share | 58% |
| Share of owner-occupied homes with a mortgage | 27% |
| 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 Donna
- AAA HOMES DONNA, LLC, Donna (General Lines Agency)
- CMG UNITED GROUP LIMITED LIABILITY COMPANY, Donna (General Lines Agency)
- ELEVATE360 INSURANCE SERVICES LLC, Donna (General Lines Agency)
- FUTURO INSURANCE SOLUTIONS, INC., Donna (General Lines Agency)
- GALVAN INSURANCE AGENCY INC, Donna (General Lines Agency)
- TEXARZA ENTERPRISES LLC., Donna (General Lines Agency)
- TRUSTEGIC INSURANCE AGENCY LLC, Donna (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)