Home Insurance in Starr County, Texas
Homes in Starr County carry a median value of $95,100 - 66% lower than the Texas median.
The typical home in Starr County was built around 1994. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 4% of homes were built before 1960, about 8 points below Texas's 12%.
The housing stock in Starr County is 80% single-family homes, 5% apartments in buildings with 5+ units and 10% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 17% of owner-occupied homes in Starr County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 17%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 70% of occupied homes in Starr County are owner-occupied.
92% of homes in Starr County are primarily heated with electricity.
Per FEMA's National Risk Index, Starr County's top hazards are wildfire (Relatively Low), hurricane (Relatively Low) and inland flooding (Relatively Low).
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Starr County has 150 active NFIP flood policies on file.
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).
20 licensed insurance agencies are listed for this area.
Key figures
| Median home value | $95,100 |
|---|---|
| Median year built | 1994 |
| Owner-occupied share | 70% |
| Share of owner-occupied homes with a mortgage | 17% |
| Top hazards (FEMA National Risk Index) | Wildfire (Relatively Low), Hurricane (Relatively Low), Inland Flooding (Relatively Low) |
| Active NFIP flood policies (county) | 150 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Towns and cities
Licensed insurance agencies in Starr County
- AGENCY OF ELITE INSURANCE & INVESTMENTS, LLC, Rio Grande City (General Lines Agency)
- BALDERAS INSURANCE AGENCY LLC, Rio Grande City (General Lines Agency)
- CYNTHIA BARRERA INSURANCE AGENCY LLC, Rio Grande City (General Lines Agency)
- GARCIAS BROKERAGE LLC, Roma (General Lines Agency)
- GARZA INSURANCE SERVICES LLC, Rio Grande City (General Lines Agency)
- GLADIATOR INSURANCE AGENCY LLC, Roma (General Lines Agency)
- GRACELAND INSURANCE AGENCY, LLC, Rio Grande City (General Lines Agency)
- IGLESIAS INSURANCE BROKERS LLC, Rio Grande City (General Lines Agency)
- IRONMARK INSURANCE GROUP LLC, Rio Grande City (General Lines Agency)
- JAIME RAMIREZ INSURANCE AGENCY LLC, Rio Grande City (General Lines Agency)
- JESSE ALVAREZ INSURANCE SERVICES, L.L.C., Rio Grande City (General Lines Agency)
- JOE MEDRANO INSURANCE AGENCY, L.L.C., Roma (General Lines Agency)
- NISSI INSURANCE GROUP LLC, Rio Grande (General Lines Agency)
- PEDRO PENA III INSURANCE AGENCY, L.L.C., Roma (General Lines Agency)
- PREMIER INSURANCE BROKERS LLC, Rio Grande City (General Lines Agency)
- RC INSURANCE AGENCY LLC, Rio Grande City (General Lines Agency)
- RIO VALLEY INSURANCE LLC, Rio Grande City (General Lines Agency)
- VALADEZ INSURANCE GROUP LLC, Rio Grande City (General Lines Agency)
- VIGILANCE INSURANCE LLC, Rio Grande City (General Lines Agency)
- ZARGA MULTI SERVICES AGENCY LLC, Roma (General Lines Agency)
Data source: Texas Department of Insurance - licensed agencies, https://data.texas.gov/d/3yqc-fcdt
Sources
- 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)