Home Insurance in Eagle Pass, Texas
Homes in Eagle Pass carry a median value of $188,000 - 18% higher than the Maverick County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Eagle Pass was built around 1990. About 12% of homes were built before 1960, about 5 points above Maverick County's 7%.
In Eagle Pass, the housing stock is 73% single-family homes, 14% apartments in buildings with 5+ units and 1% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
About 51% of owner-occupied homes in Eagle Pass have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 11%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 60% of occupied homes in Eagle Pass are owner-occupied.
In Eagle Pass, 88% of homes are primarily heated with electricity.
FEMA rates Maverick County's overall risk as Relatively Low, led by inland flooding (Relatively Moderate). Maverick County had 165 active NFIP flood policies as of September 2026. See the full Maverick County home insurance overview for all FEMA hazard ratings and flood coverage details. Flood damage is excluded from a standard homeowners policy.
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 9 licensed insurance agencies.
Key figures
| Median home value | $188,000 |
|---|---|
| Median year built | 1990 |
| Owner-occupied share | 60% |
| Share of owner-occupied homes with a mortgage | 51% |
| Top county hazard | Inland Flooding (Relatively Moderate) |
| Active NFIP policies in Maverick County | 165 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Licensed insurance agencies in Eagle Pass
- CAPETILLO INSURANCE AGENCY LLC, Eagle Pass (General Lines Agency)
- CAPITOL INSURANCE SERVICES INC, Eagle Pass (General Lines Agency)
- EAGLE PASS INSURANCE AGENCY INC, Eagle Pass (General Lines Agency)
- GMG INSURANCE AGENCY INC, Eagle Pass (General Lines Agency)
- GOMEZ INSURANCE AGENCY & SERVICE LLC, Eagle Pass (General Lines Agency)
- PROFESSIONAL SERVICES & INSURANCE AGENCY, LLC, Eagle Pass (General Lines Agency)
- ROLANDO HERNANDEZ AGENCY, LLC, Eagle Pass (General Lines Agency)
- ROSA MARIA V DE LA CERDA INSURANCE AGENCY LLC, Eagle Pass (General Lines Agency)
- TEJANITA SEGUROS LLC, Eagle Pass (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)