Home Insurance in San Perlita, Texas
Homes in San Perlita carry a median value of $56,600 - 23% lower than the Willacy County median.
The typical home in San Perlita was built around 1970. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 31% of homes were built before 1960, about 13 points above Willacy County's 18%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in San Perlita is 78% single-family homes and 22% mobile or manufactured homes.
In San Perlita, about 48% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
San Perlita has an owner-occupancy rate of 100% and a vacancy rate of 35%; unoccupied homes typically need a different coverage form.
Most homes in San Perlita - 94% - are primarily heated with electricity. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA rates Willacy County's overall risk as Relatively Low, led by hurricane (Relatively Moderate). Willacy County had 579 active NFIP flood policies as of September 2026. See the full Willacy County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $56,600 |
|---|---|
| Median year built | 1970 |
| Owner-occupied share | 100% |
| Share of owner-occupied homes with a mortgage | 48% |
| Top county hazard | Hurricane (Relatively Moderate) |
| Active NFIP policies in Willacy County | 579 |
| 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)