HomeInsuranceQts

Home Insurance in Webb County, Texas

The median home value in Webb County is $189,900, 33% lower than the Texas median.

Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Webb County was built around 1997. About 10% of homes were built before 1960, about 3 points below Texas's 12%.

In Webb County, the housing stock is 71% single-family homes, 14% 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.

53% of owner-occupied homes in Webb County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.

Webb County has an owner-occupancy rate of 65% and a vacancy rate of 8%; unoccupied homes typically need a different coverage form.

In Webb County, 85% of homes are primarily heated with electricity.

Per FEMA's National Risk Index, Webb County's top hazards are inland flooding (Relatively Moderate), hail (Relatively Moderate) and hurricane (Relatively Moderate).

As of September 2026, Webb County has 695 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood 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).

62 licensed insurance agencies are listed for this area.

Key figures

Median home value$189,900
Median year built1997
Owner-occupied share65%
Share of owner-occupied homes with a mortgage53%
Top hazards (FEMA National Risk Index)Inland Flooding (Relatively Moderate), Hail (Relatively Moderate), Hurricane (Relatively Moderate)
Active NFIP flood policies (county)695
Home insurance premium$2,864 - statewide average (NAIC, 2023 data)

Towns and cities

Licensed insurance agencies in Webb County

...and 2 more licensed agencies.

Data source: Texas Department of Insurance - licensed agencies, https://data.texas.gov/d/3yqc-fcdt

Sources