HomeInsuranceQts

Home Insurance in Laredo, Texas

Homes in Laredo carry a median value of $193,500 - close to the Webb County median.

Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Laredo was built around 1997. About 10% of homes were built before 1960, in line with Webb County (10%).

Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Laredo is 70% single-family homes, 15% apartments in buildings with 5+ units and 8% mobile or manufactured homes.

About 54% of owner-occupied homes in Laredo have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.

The vacancy rate is 7%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 64% of occupied homes in Laredo are owner-occupied.

Most homes in Laredo - 85% - 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.

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.

This area lists 62 licensed insurance agencies.

Key figures

Median home value$193,500
Median year built1997
Owner-occupied share64%
Share of owner-occupied homes with a mortgage54%
Top county hazardInland Flooding (Relatively Moderate)
Active NFIP policies in Webb County695
Home insurance premium$2,864 - statewide average (NAIC, 2023 data)
Key home insurance figures for Laredo, TX

Licensed insurance agencies in Laredo

...and 2 more licensed agencies.

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

Nearby towns

Sources

Data last updated: 2026-09-29