Home Insurance in Weslaco, Texas
The median home value in Weslaco is $140,000, close to the Hidalgo County median.
The typical home in Weslaco was built around 1995. About 8% of homes were built before 1960, about 4 points above Hidalgo County's 4%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
The housing stock in Weslaco is 56% single-family homes, 14% 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 Weslaco, about 46% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 18%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 56% of occupied homes in Weslaco are owner-occupied.
90% of homes in Weslaco are primarily heated with electricity.
FEMA rates Hidalgo County's overall risk as Relatively High, led by hurricane (Very High). 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.
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.
This area lists 14 licensed insurance agencies.
Key figures
| Median home value | $140,000 |
|---|---|
| Median year built | 1995 |
| Owner-occupied share | 56% |
| Share of owner-occupied homes with a mortgage | 46% |
| 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 Weslaco
- AFFORDABLE QUALITY INSURANCE III, Weslaco (General Lines Agency)
- BORDER PREMIER INSURANCE LLC, Weslaco (General Lines Agency)
- GLOBAL INSURANCE BENEFITS LLC, Weslaco (General Lines Agency)
- GUERRA INSURANCE AND FINANCIAL SERVICES LLC, Weslaco (General Lines Agency)
- HOPE INSURANCE AGENCY LLC, Weslaco (General Lines Agency)
- JEFF EVERITT & ASSOCIATES, INC., Weslaco (General Lines Agency)
- JUAREZ BENEFITS CONSULTING LLC, Weslaco (General Lines Agency)
- LOBO INSURANCE AGENCY, LLC, Weslaco (General Lines Agency)
- MIAMON HOLDINGS, INC., Weslaco (General Lines Agency)
- ORTEGON INSURANCE AGENCY LLC, Weslaco (General Lines Agency)
- PATRICK FEENEY INSURANCE AGENCY LLC, Weslaco (General Lines Agency)
- TEXAS HORIZONS INSURANCE GROUP LLC, Weslaco (General Lines Agency)
- VEGA INSURANCE GROUP LLC, Weslaco (General Lines Agency)
- WITHYOU INSURANCE GROUP LLC, Weslaco (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)