Home Insurance in Val Verde County, Texas
With a median home value of $164,600, Val Verde County is 42% lower than the Texas median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Val Verde County was built around 1983. About 14% of homes were built before 1960, about 2 points above Texas's 12%.
In Val Verde County, the housing stock is 76% single-family homes, 7% apartments in buildings with 5+ units and 8% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
47% of owner-occupied homes in Val Verde County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Val Verde County has an owner-occupancy rate of 69% and a vacancy rate of 10%; unoccupied homes typically need a different coverage form.
In Val Verde County, 79% of homes are primarily heated with electricity.
The top hazards for Val Verde County, per FEMA's National Risk Index, are inland flooding (Relatively Moderate), wildfire (Relatively Low) and winter weather (Relatively Moderate).
Val Verde County had 229 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
In Texas, the statewide average premium for a standard HO-3 homeowners policy is $2,864 per year (NAIC, 2023 data).
This area lists 7 licensed insurance agencies.
Key figures
| Median home value | $164,600 |
|---|---|
| Median year built | 1983 |
| Owner-occupied share | 69% |
| Share of owner-occupied homes with a mortgage | 47% |
| Top hazards (FEMA National Risk Index) | Inland Flooding (Relatively Moderate), Wildfire (Relatively Low), Winter Weather (Relatively Moderate) |
| Active NFIP flood policies (county) | 229 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Towns and cities
Licensed insurance agencies in Val Verde County
- ANDY MITCHELL INSURANCE AGENCY, INC., Del Rio (General Lines Agency)
- ANGELINA TARA INSURANCE AGENCY LLC, Del Rio (General Lines Agency)
- DIEGO DELGADO INSURANCE AGENCY, LLC, Del Rio (General Lines Agency)
- EGAN SCHROETER, LLC, Del Rio (General Lines Agency)
- RILEY PRATT INSURANCE AGENCY, LLC, Del Rio (General Lines Agency)
- WILLIAM PRATT INSURANCE SPECIALIST LLC, Del Rio (General Lines Agency)
- ZERTUCHE SERVICES, INC., Del Rio (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)