Home Insurance in Elsa, Texas
With a median home value of $81,600, Elsa is 42% lower than the Hidalgo County median.
The typical home in Elsa was built around 1991. About 6% of homes were built before 1960, about 2 points above Hidalgo County's 4%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Elsa, the housing stock is 73% single-family homes, 2% apartments in buildings with 5+ units and 10% 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 18% of owner-occupied homes in Elsa have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Elsa has an owner-occupancy rate of 71% and a vacancy rate of 9%; unoccupied homes typically need a different coverage form.
Most homes in Elsa - 96% - are primarily heated with electricity.
What's the biggest home insurance risk near Elsa? 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.
The statewide average premium for a standard HO-3 homeowners policy in Texas is $2,864 per year, according to the NAIC homeowners insurance report (2023 data).
This area lists 2 licensed insurance agencies.
Key figures
| Median home value | $81,600 |
|---|---|
| Median year built | 1991 |
| Owner-occupied share | 71% |
| Share of owner-occupied homes with a mortgage | 18% |
| 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 Elsa
- ACT INSURANCE AGENCY LLC, Elsa (General Lines Agency)
- JESSICA RODRIGUEZ-GARZA INSURANCE AGENCY, INC., Elsa (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)