Home Insurance in Rio Grande City, Texas
Homes in Rio Grande City carry a median value of $113,200 - 19% higher than the Starr County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Rio Grande City was built around 1991. About 6% of homes were built before 1960, about 2 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 Rio Grande City is 72% single-family homes, 11% apartments in buildings with 5+ units and 11% mobile or manufactured homes.
31% of owner-occupied homes in Rio Grande City carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 69% of occupied homes in Rio Grande City are owner-occupied. The vacancy rate is 12%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
91% of homes in Rio Grande City are primarily heated with electricity.
Starr County had 150 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is wildfire (Relatively Low). See the full Starr County home insurance overview for all FEMA hazard ratings and flood coverage details.
In Texas, the statewide average premium for a standard HO-3 homeowners policy is $2,864 per year (NAIC, 2023 data).
14 licensed insurance agencies are listed for this area.
Key figures
| Median home value | $113,200 |
|---|---|
| Median year built | 1991 |
| Owner-occupied share | 69% |
| Share of owner-occupied homes with a mortgage | 31% |
| Top county hazard | Wildfire (Relatively Low) |
| Active NFIP policies in Starr County | 150 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Licensed insurance agencies in Rio Grande City
- 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)
- GARZA INSURANCE SERVICES LLC, Rio Grande City (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)
- 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)
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)