Home Insurance in Roma, Texas
The median home value in Roma is $94,400, close to 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 Roma was built around 1993. About 5% of homes were built before 1960, in line with Starr County (4%).
The housing stock in Roma is 74% single-family homes, 9% apartments in buildings with 5+ units and 7% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 8% of owner-occupied homes in Roma have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 20%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 55% of occupied homes in Roma are owner-occupied.
Most homes in Roma - 95% - are primarily heated with electricity.
FEMA rates Starr County's overall risk as Relatively Moderate, led by wildfire (Relatively Low). 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.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Texas carries a statewide average premium of $2,864 per year.
5 licensed insurance agencies are listed for this area.
Key figures
| Median home value | $94,400 |
|---|---|
| Median year built | 1993 |
| Owner-occupied share | 55% |
| Share of owner-occupied homes with a mortgage | 8% |
| 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 Roma
- GARCIAS BROKERAGE LLC, Roma (General Lines Agency)
- GLADIATOR INSURANCE AGENCY LLC, Roma (General Lines Agency)
- JOE MEDRANO INSURANCE AGENCY, L.L.C., Roma (General Lines Agency)
- PEDRO PENA III INSURANCE AGENCY, L.L.C., Roma (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
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)