Home Insurance in Presidio, Texas
With a median home value of $78,800, Presidio is 35% lower than the Presidio 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 Presidio was built around 1992. About 5% of homes were built before 1960, about 30 points below Presidio County's 34%.
The housing stock in Presidio is 66% single-family homes and 24% 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.
7% of owner-occupied homes in Presidio carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 21%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 76% of occupied homes in Presidio are owner-occupied.
Most homes in Presidio - 88% - are primarily heated with electricity. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Presidio County's top FEMA-rated hazard is wildfire (Relatively Low), per FEMA's National Risk Index. Presidio County had 25 active NFIP flood policies as of September 2026. See the full Presidio 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 | $78,800 |
|---|---|
| Median year built | 1992 |
| Owner-occupied share | 76% |
| Share of owner-occupied homes with a mortgage | 7% |
| Top county hazard | Wildfire (Relatively Low) |
| Active NFIP policies in Presidio County | 25 |
| 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)