Home Insurance in Pharr, Texas
The median home value in Pharr is $121,900, 13% lower than the Hidalgo County median.
The typical home in Pharr was built around 2001. About 5% of homes were built before 1960, about 1 point above Hidalgo County's 4%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Pharr, the housing stock is 61% single-family homes, 6% apartments in buildings with 5+ units and 17% 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.
In Pharr, about 38% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 59% of occupied homes in Pharr are owner-occupied. The vacancy rate is 12%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Pharr, 88% of homes are primarily heated with electricity.
Hidalgo County had 9,570 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hurricane (Very High). 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.
20 licensed insurance agencies serve this area.
Key figures
| Median home value | $121,900 |
|---|---|
| Median year built | 2001 |
| Owner-occupied share | 59% |
| Share of owner-occupied homes with a mortgage | 38% |
| 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 Pharr
- 4EVER SAFE INSURANCE AGENCY LLC, Pharr (General Lines Agency)
- DANIEL TREVINO INSURANCE AGENCY LLC, Pharr (General Lines Agency)
- E&E INSURANCE & MORE LLC, Pharr (General Lines Agency)
- H AND I INSURANCE SERVICES & MORE LLC, Pharr (General Lines Agency)
- HG COMPANIES & ASSURANCE LLC, Pharr (General Lines Agency)
- JAMES E. CAPT & ASSOCIATES, LLC, Pharr (General Lines Agency)
- JL CAMPOS INVESTMENT GROUP LLC, Pharr (General Lines Agency)
- MELENDEZ BUSINESS ENTERPRISES L L C, Pharr (General Lines Agency)
- MEZA INSURANCE AGENCY LLC, Pharr (Pers Lines Prop and Cas Agency)
- NICKYS INSURANCE AGENCY INC, Pharr (General Lines Agency)
- OLYMPIA INSURANCE SERVICES LLC., Pharr (General Lines Agency)
- PALACIOS INSURANCE AND FINANCIAL SERVICES, INC., Pharr (General Lines Agency)
- PRIMORIS INSURANCE AGENCY LLC, Pharr (General Lines Agency)
- RENDON ADVISORS LLC, Pharr (General Lines Agency)
- ROADMASTERS INSURANCE AGENCY LLC, Pharr (General Lines Agency)
- ROADMASTERS MANAGING GENERAL AGENCY LLC, Pharr (General Lines Agency)
- TURBO INSURANCE GROUP LLC, Pharr (General Lines Agency)
- V-RAMP INSURANCE AGENCY, INCORPORATED, Pharr (General Lines Agency)
- VALLEY ELITE BUSINESS SERVICES LLC, Pharr (General Lines Agency)
- VICTOR REYNA INSURANCE AND FINANCIAL SERVICES, INC, Pharr (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)