HomeInsuranceQts

Home Insurance in McAllen, Texas

With a median home value of $190,400, McAllen is 35% higher than the Hidalgo County median.

Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in McAllen was built around 1995. About 5% of homes were built before 1960, in line with Hidalgo County (4%).

In McAllen, the housing stock is 68% single-family homes, 16% apartments in buildings with 5+ units and 4% 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.

48% of owner-occupied homes in McAllen carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.

McAllen has an owner-occupancy rate of 59% and a vacancy rate of 12%; unoccupied homes typically need a different coverage form.

Most homes in McAllen - 92% - are primarily heated with electricity.

FEMA rates Hidalgo County's overall risk as Relatively High, led by hurricane (Very High). 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.

79 licensed insurance agencies are listed for this area.

Key figures

Median home value$190,400
Median year built1995
Owner-occupied share59%
Share of owner-occupied homes with a mortgage48%
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 McAllen, TX

Licensed insurance agencies in McAllen

...and 19 more licensed agencies.

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

Nearby towns

Sources

Data last updated: 2026-09-29