Home Insurance in San Juan, Texas
Homes in San Juan carry a median value of $126,700 - 10% lower than the Hidalgo County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in San Juan was built around 1999. About 3% of homes were built before 1960, in line with Hidalgo County (4%).
In San Juan, the housing stock is 82% single-family homes, 3% apartments in buildings with 5+ units and 9% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In San Juan, about 42% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 8%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 80% of occupied homes in San Juan are owner-occupied.
87% of homes in San Juan 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.
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).
This area lists 9 licensed insurance agencies.
Key figures
| Median home value | $126,700 |
|---|---|
| Median year built | 1999 |
| Owner-occupied share | 80% |
| 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 San Juan
- HALOSEA LLC, San Juan (Pers Lines Prop and Cas Agency)
- LEAL INSURANCE AGENCY LLC, San Juan (General Lines Agency)
- LOYALTY INSURANCE & FINANCIAL SERVICES LLC, San Juan (General Lines Agency)
- PRO COVERAGE INSURANCE SERVICES LLC, San Juan (General Lines Agency)
- R & D INSURANCE AGENCY, LLC, San Juan (General Lines Agency)
- RICK PUENTE INSURANCE AGENCY LLC, San Juan (General Lines Agency)
- THE INSURANCE PLACE AND SERVICES, LLC, San Juan (General Lines Agency)
- TRUCKING NOW INSURANCE AGENCY LLC, San Juan (General Lines Agency)
- TRUCKING NOW INSURANCE AGENCY LLC, San Juan (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)