Home Insurance in Hidalgo, Texas
The median home value in Hidalgo is $163,600, 16% higher than the Hidalgo County median.
The typical home in Hidalgo was built around 2004. About 1% of homes were built before 1960, about 4 points below Hidalgo County's 4%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Housing in Hidalgo breaks down to 87% single-family homes, 8% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
About 63% of owner-occupied homes in Hidalgo have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Hidalgo has an owner-occupancy rate of 80% and a vacancy rate of 7%; unoccupied homes typically need a different coverage form.
93% of homes in Hidalgo 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.
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.
3 licensed insurance agencies serve this area.
Key figures
| Median home value | $163,600 |
|---|---|
| Median year built | 2004 |
| Owner-occupied share | 80% |
| Share of owner-occupied homes with a mortgage | 63% |
| 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 Hidalgo
- CND INSURANCE AGENCY LLC, Hidalgo (General Lines Agency)
- NIA INSURANCE AGENCY LLC, Hidalgo (General Lines Agency)
- RIOS INSURANCE & PERMIT SERVICES LLC, Hidalgo (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)