Home Insurance in Penitas, Texas
The median home value in Penitas is $167,000, 19% higher than the Hidalgo County median.
The typical home in Penitas was built around 2004. About 4% 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 Penitas is 80% single-family homes, 9% apartments in buildings with 5+ units and 7% mobile or manufactured homes.
In Penitas, about 42% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 9%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 86% of occupied homes in Penitas are owner-occupied.
95% of homes in Penitas 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.
In Texas, the statewide average premium for a standard HO-3 homeowners policy is $2,864 per year (NAIC, 2023 data).
This area lists 5 licensed insurance agencies.
Key figures
| Median home value | $167,000 |
|---|---|
| Median year built | 2004 |
| Owner-occupied share | 86% |
| Share of owner-occupied homes with a mortgage | 42% |
| 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 Penitas
- DALET INVESTMENTS LLC, Penitas (General Lines Agency)
- OHANA LIFE & PROPERTY INSURANCE, LLC, Penitas (General Lines Agency)
- RELIABLE PROTECTION INSURANCE AGENCY, LLC, Penitas (General Lines Agency)
- THE VALLEYS INSURANCE BROKERS LLC, Penitas (General Lines Agency)
- TREVINO INSURANCE AGENCY LLC, Penitas (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)