Home Insurance in Escobares, Texas
Homes in Escobares carry a median value of $72,800 - 23% lower than the Starr County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Escobares was built around 1989. About 10% of homes were built before 1960, about 6 points above Starr County's 4%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Escobares is 89% single-family homes and 8% mobile or manufactured homes.
About 2% of owner-occupied homes in Escobares have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 66% of occupied homes in Escobares are owner-occupied. The vacancy rate is 19%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
87% of homes in Escobares are primarily heated with electricity.
Starr County's top FEMA-rated hazard is wildfire (Relatively Low), per FEMA's National Risk Index. Starr County had 150 active NFIP flood policies as of September 2026. See the full Starr 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 | $72,800 |
|---|---|
| Median year built | 1989 |
| Owner-occupied share | 66% |
| Share of owner-occupied homes with a mortgage | 2% |
| Top county hazard | Wildfire (Relatively Low) |
| Active NFIP policies in Starr County | 150 |
| 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)