Home Insurance in El Cenizo, Texas
The median home value in El Cenizo is $69,800, 63% lower than the Webb 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 El Cenizo was built around 1994. About 3% of homes were built before 1960, about 6 points below Webb County's 10%.
In El Cenizo, the housing stock is 84% single-family homes and 12% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In El Cenizo, about 23% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 78% of occupied homes in El Cenizo are owner-occupied. The vacancy rate is 12%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
94% of homes in El Cenizo are primarily heated with electricity.
FEMA rates Webb County's overall risk as Relatively Moderate, led by inland flooding (Relatively Moderate). Webb County had 695 active NFIP flood policies as of September 2026. See the full Webb 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).
Key figures
| Median home value | $69,800 |
|---|---|
| Median year built | 1994 |
| Owner-occupied share | 78% |
| Share of owner-occupied homes with a mortgage | 23% |
| Top county hazard | Inland Flooding (Relatively Moderate) |
| Active NFIP policies in Webb County | 695 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
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)