Menu

Flood insurance cost · Hidalgo County, TX

Flood insurance cost in Hidalgo County, Texas

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 8,636 home policies in force on August 31, 2026.

Hidalgo County, TexasPolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$649a year

Half of insured homes paid between $527 and $807. That is 40% less than the Texas median ($1,084). Most insured homes here are rated in zone X (78%).

$0$527 · $649 · $807$1,009
+2.4% vs Aug 31, 2025 (median $634)
8,636home policies in force
$690average cost (mean)
22%of insured homes in high-risk zones (A, V)
$250,000median building coverage

This is what policyholders paid, not a quote. Two neighbors can pay very different prices: NFIP prices depend on the building (elevation, foundation, number of floors, replacement cost), the coverage and deductible chosen and the distance to water (FEMA FloodSmart: premium factors). For a price for your building, ask an insurance agent. Private flood insurance is not included in these figures.

Disaster declarations: 1 FEMA declaration · individual aid. FEMA declarations and IRS tax relief in Hidalgo County.

Cost by flood zone in Hidalgo County

The flood zone on FEMA's map is one of the main price factors. Median and middle half of what insured homes paid, by the zone used to rate the policy.

Flood zoneMedianMiddle half (25th–75th percentile)AveragePoliciesvs last year
Zone AE
High risk		$714$585–$897$759357 (4%)+2.4%
Zone A
High risk		$673$516–$868$722332 (4%)+1.7%
Zone AH
High risk, shallow		$638$518–$814$6941,195 (14%)+1.3%
Zone X
Moderate to low risk		$647$527–$800$6856,743 (78%)+2.5%

Not shown (fewer than 10 home policies): VE, AO, A99/AR, D. Shares are of all insured homes; a few policies have no rated zone. "vs last year" compares medians with policies in force a year earlier.

Cost by type of building

All NFIP policies in force in Hidalgo County, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home8,273$648$690
2–4 unit building161$784$805
Manufactured (mobile) home161$634$662
Condo or apartment unit41$431$464
Whole residential building (5+ units or condo association)
One policy covers the whole building, so the cost is much higher than for a single home.		138$1,465$1,451
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		700$1,222$1,430
9,474NFIP policies in force, any building
9,615insured units (condo association policies count every unit)
90%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: Hidalgo County

Policies in force on August 31, 2026 compared with a year earlier. Nationwide, practically all policies in both years carry FEMA's Risk Rating 2.0 occupancy codes, so both years use the same pricing system. The policies are not the same: some were new, some lapsed.

Aug 31, 2025Aug 31, 2026Change
Home policies in force9,5358,636−9.4%
Median annual cost$634$649+2.4%
Average annual cost$667$690+3.4%
All policies in force (any building)10,3609,474−8.6%

How many homes have flood insurance?

3.7%of all homes in Hidalgo County have an NFIP policy
–of homes in high-risk zones (special flood hazard area) have one
241,790residential buildings counted by FEMA
0of them in high-risk zones

FEMA NFIP Residential Penetration Rates, data as of August 3, 2026: residential contracts in force divided by residential structures.

Flood claims history

Since 1978, NFIP policyholders in Hidalgo County, Texas have filed 4,412 flood claims. 3,490 received a payment, for a total of $118.0 million (an average of $33,805 per paid claim). The year with the most claims was 2020 (843 claims). Amounts are in dollars of the time, not adjusted for inflation.

02505007501k1979: 62 claims, 46 paid, $190,544 in total1980: 398 claims, 318 paid, $2,113,269 in total19801981: 34 claims, 28 paid, $58,606 in total1982: 42 claims, 32 paid, $48,685 in total1983: 44 claims, 32 paid, $85,261 in total1985: 80 claims, 64 paid, $305,843 in total1987: 10 claims1988: 11 claims19901991: 28 claims, 22 paid, $94,627 in total1997: 12 claims, 10 paid, $73,490 in total1999: 13 claims, 10 paid, $99,526 in total20002001: 32 claims, 21 paid, $177,508 in total2002: 23 claims, 17 paid, $260,488 in total2003: 46 claims, 37 paid, $476,648 in total2004: 18 claims, 14 paid, $73,317 in total2005: 12 claims2006: 43 claims, 37 paid, $765,508 in total2007: 27 claims, 21 paid, $285,239 in total2008: 352 claims, 215 paid, $3,603,445 in total2010: 130 claims, 103 paid, $2,302,561 in total20102012: 184 claims, 139 paid, $3,593,101 in total2014: 34 claims, 17 paid, $148,026 in total2015: 205 claims, 159 paid, $5,059,161 in total2016: 32 claims, 23 paid, $401,512 in total2018: 728 claims, 651 paid, $40,025,062 in total20182019: 252 claims, 209 paid, $6,833,986 in total2020: 843 claims, 660 paid, $22,932,529 in total202020202021: 134 claims, 106 paid, $2,511,175 in total2022: 17 claims2023: 13 claims2025: 441 claims, 408 paid, $24,292,231 in total20252026: 25 claims, 18 paid, $303,772 in total
Flood claims per year of loss, 1978–2026. Years with fewer than 10 claims are left blank. Hover a bar for details.
All years with at least 10 claims (32)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20262518$303,772$16,876
2025441408$24,292,231$59,540
202313<10––
202217<10––
2021134106$2,511,175$23,690
2020843660$22,932,529$34,746
2019252209$6,833,986$32,698
2018728651$40,025,062$61,482
20163223$401,512$17,457
2015205159$5,059,161$31,819
20143417$148,026$8,707
2012184139$3,593,101$25,850
2010130103$2,302,561$22,355
2008352215$3,603,445$16,760
20072721$285,239$13,583
20064337$765,508$20,689
200512<10––
20041814$73,317$5,237
20034637$476,648$12,882
20022317$260,488$15,323
20013221$177,508$8,453
19991310$99,526$9,953
19971210$73,490$7,349
19912822$94,627$4,301
198811<10––
198710<10––
19858064$305,843$4,779
19834432$85,261$2,664
19824232$48,685$1,521
19813428$58,606$2,093
1980398318$2,113,269$6,646
19796246$190,544$4,142

From 2016 to 2026: 2,485 claims (counting only years with at least 10). 2026 is a partial year. Claims are counted where the insured property is; they include buildings and contents, homes and businesses.

ZIP codes in Hidalgo County

ZIP codes with at least 300 NFIP home policies in force have their own page.

Main NFIP communities in the county

Unincorporated Hidalgo County (4,260 home policies) · McAllen (1,319 home policies) · Edinburg (1,123 home policies) · Mission (835 home policies) · Weslaco (420 home policies) · Mercedes (265 home policies)