Home Insurance in La Villa, Texas
With a median home value of $101,000, La Villa is 28% lower than the Hidalgo County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in La Villa was built around 1992. About 10% of homes were built before 1960, about 6 points above Hidalgo County's 4%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in La Villa is 87% single-family homes and 12% mobile or manufactured homes.
27% of owner-occupied homes in La Villa carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
La Villa has an owner-occupancy rate of 84% and a vacancy rate of 6%; unoccupied homes typically need a different coverage form.
In La Villa, 98% of homes 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.
Key figures
| Median home value | $101,000 |
|---|---|
| Median year built | 1992 |
| Owner-occupied share | 84% |
| 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) |
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)