HomeInsuranceQts

Home Insurance in Mission, Texas

With a median home value of $175,700, Mission is 25% higher than the Hidalgo County median.

The typical home in Mission was built around 2000. About 3% of homes were built before 1960, in line with Hidalgo County (4%). Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.

Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Mission is 70% single-family homes, 9% apartments in buildings with 5+ units and 13% mobile or manufactured homes.

About 45% of owner-occupied homes in Mission have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.

About 71% of occupied homes in Mission are owner-occupied. The vacancy rate is 14%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.

Most homes in Mission - 90% - are primarily heated with electricity.

What's the biggest home insurance risk near Mission? 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.

In Texas, the statewide average premium for a standard HO-3 homeowners policy is $2,864 per year (NAIC, 2023 data).

This area lists 51 licensed insurance agencies.

Key figures

Median home value$175,700
Median year built2000
Owner-occupied share71%
Share of owner-occupied homes with a mortgage45%
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 Mission, TX

Licensed insurance agencies in Mission

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

Nearby towns

Sources

Data last updated: 2026-09-29