Home Insurance in Rio Bravo, Texas
Homes in Rio Bravo carry a median value of $77,400 - 59% lower than the Webb County median.
The typical home in Rio Bravo was built around 1990. About 4% of homes were built before 1960, about 6 points below Webb County's 10%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Rio Bravo, the housing stock is 75% single-family homes, 2% apartments in buildings with 5+ units and 18% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
13% of owner-occupied homes in Rio Bravo carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Rio Bravo has an owner-occupancy rate of 74% and a vacancy rate of 12%; unoccupied homes typically need a different coverage form.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 93% of homes in Rio Bravo are primarily heated with electricity.
Webb County had 695 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is inland flooding (Relatively Moderate). 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.
Key figures
| Median home value | $77,400 |
|---|---|
| Median year built | 1990 |
| Owner-occupied share | 74% |
| Share of owner-occupied homes with a mortgage | 13% |
| 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)