Home Insurance in La Grulla, Texas
The median home value in La Grulla is $54,400, 43% lower than the Starr 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 La Grulla was built around 1988. About 6% of homes were built before 1960, about 1 point above Starr County's 4%.
Housing in La Grulla breaks down to 98% single-family homes and 2% mobile or manufactured homes.
Almost no owner-occupied homes in La Grulla carry a mortgage.
The vacancy rate is 22%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 85% of occupied homes in La Grulla are owner-occupied.
In La Grulla, 92% of homes 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 | $54,400 |
|---|---|
| Median year built | 1988 |
| Owner-occupied share | 85% |
| Share of owner-occupied homes with a mortgage | 0% |
| 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)