HomeInsuranceQts

Home Insurance in Edinburg, Texas

With a median home value of $189,600, Edinburg is 35% higher 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 Edinburg was built around 2003. About 3% of homes were built before 1960, about 2 points below Hidalgo County's 4%.

In Edinburg, the housing stock is 59% single-family homes, 13% 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.

51% of owner-occupied homes in Edinburg carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.

About 53% of occupied homes in Edinburg are owner-occupied. The vacancy rate is 9%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.

Most homes in Edinburg - 93% - are primarily heated with electricity.

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).

40 licensed insurance agencies are listed for this area.

Key figures

Median home value$189,600
Median year built2003
Owner-occupied share53%
Share of owner-occupied homes with a mortgage51%
Top county hazardHurricane (Very High)
Active NFIP policies in Hidalgo County9,570
Home insurance premium$2,864 - statewide average (NAIC, 2023 data)
Key home insurance figures for Edinburg, TX

Licensed insurance agencies in Edinburg

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

Nearby towns

Sources

Data last updated: 2026-09-29