Home Insurance in Progreso, Texas
The median home value in Progreso is $69,300, 51% lower 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 Progreso was built around 1994. About 14% of homes were built before 1960, about 10 points above Hidalgo County's 4%.
In Progreso, the housing stock is 77% single-family homes and 7% 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.
28% of owner-occupied homes in Progreso carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 14%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 74% of occupied homes in Progreso are owner-occupied.
98% of homes in Progreso 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.
The statewide average premium for a standard HO-3 homeowners policy in Texas is $2,864 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $69,300 |
|---|---|
| Median year built | 1994 |
| Owner-occupied share | 74% |
| Share of owner-occupied homes with a mortgage | 28% |
| 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)