Home Insurance in Del Rio, Texas
The median home value in Del Rio is $160,400, close to the Val Verde County median.
The typical home in Del Rio was built around 1978. About 17% of homes were built before 1960, about 2 points above Val Verde County's 14%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Del Rio is 76% single-family homes, 9% apartments in buildings with 5+ units and 4% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
In Del Rio, about 47% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Del Rio has an owner-occupancy rate of 69% and a vacancy rate of 8%; unoccupied homes typically need a different coverage form.
In Del Rio, 77% of homes are primarily heated with electricity.
Val Verde County's top FEMA-rated hazard is inland flooding (Relatively Moderate), per FEMA's National Risk Index. Val Verde County had 229 active NFIP flood policies as of September 2026. See the full Val Verde County home insurance overview for all FEMA hazard ratings and flood coverage details. Flood damage is excluded from a standard homeowners policy.
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).
This area lists 7 licensed insurance agencies.
Key figures
| Median home value | $160,400 |
|---|---|
| Median year built | 1978 |
| Owner-occupied share | 69% |
| Share of owner-occupied homes with a mortgage | 47% |
| Top county hazard | Inland Flooding (Relatively Moderate) |
| Active NFIP policies in Val Verde County | 229 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Licensed insurance agencies in Del Rio
- 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
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)