Home Insurance in Zapata County, Texas
Homes in Zapata County carry a median value of $97,100 - 66% lower than the Texas median.
The typical home in Zapata County was built around 1992. About 9% of homes were built before 1960, about 3 points below Texas's 12%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Zapata County is 60% single-family homes, 3% apartments in buildings with 5+ units and 30% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Zapata County, about 27% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Zapata County has an owner-occupancy rate of 72% and a vacancy rate of 27%; unoccupied homes typically need a different coverage form.
In Zapata County, 89% of homes are primarily heated with electricity.
FEMA's National Risk Index lists wildfire (Relatively Low), hurricane (Relatively Low) and hail (Relatively Low) as the leading hazards for Zapata County.
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Zapata County has 38 active NFIP flood policies on file.
In Texas, the statewide average premium for a standard HO-3 homeowners policy is $2,864 per year (NAIC, 2023 data).
This area lists 1 licensed insurance agencies.
Key figures
| Median home value | $97,100 |
|---|---|
| Median year built | 1992 |
| Owner-occupied share | 72% |
| Share of owner-occupied homes with a mortgage | 27% |
| Top hazards (FEMA National Risk Index) | Wildfire (Relatively Low), Hurricane (Relatively Low), Hail (Relatively Low) |
| Active NFIP flood policies (county) | 38 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Licensed insurance agencies in Zapata County
- BRUSH COUNTRY INSURANCE AGENCY, LLC, Zapata (General Lines Agency)
Data source: Texas Department of Insurance - licensed agencies, https://data.texas.gov/d/3yqc-fcdt
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)
- Texas Department of Insurance - licensed agencies (2026)