Home Insurance in Zavala County, Texas
Homes in Zavala County carry a median value of $98,800 - 65% lower than the Texas median.
The typical home in Zavala County was built around 1979. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 19% of homes were built before 1960, about 6 points above Texas's 12%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Zavala County is 66% single-family homes, 3% apartments in buildings with 5+ units and 22% mobile or manufactured homes.
About 34% of owner-occupied homes in Zavala County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 17%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 69% of occupied homes in Zavala County are owner-occupied.
87% of homes in Zavala County are primarily heated with electricity.
FEMA's National Risk Index lists inland flooding (Relatively Low), hurricane (Relatively Low) and hail (Relatively Low) as the leading hazards for Zavala County.
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Zavala County has 75 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).
Key figures
| Median home value | $98,800 |
|---|---|
| Median year built | 1979 |
| Owner-occupied share | 69% |
| Share of owner-occupied homes with a mortgage | 34% |
| Top hazards (FEMA National Risk Index) | Inland Flooding (Relatively Low), Hurricane (Relatively Low), Hail (Relatively Low) |
| Active NFIP flood policies (county) | 75 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)