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Home Insurance in Elm Creek, TX
Side-by-side numbers for Elm Creek, Maverick County and the state, covering housing, hazards and flood insurance.
$3,066/yr
About $256/mo · ~$300k-$400k dwelling class
$1,858/yr
About $155/mo after modeled shopping discount
About 39.4% below local market estimate
How Elm Creek homes compare
| Measure | Elm Creek | Maverick County | Texas |
|---|---|---|---|
| Median home value | $170,100 | $158,700 | $283,800 |
| Median year built | 2006 | 1997 | 1992 |
| Owner-occupied homes | 89% | 71% | 63% |
| Single-family detached | 93% | 70% | 64% |
| Built before 1980 | less than 1% | 23% | 33% |
| Built 2000 or later | 71% | 45% | 39% |
| Manufactured homes | 7% | 11% | 6% |
Elm Creek’s housing is younger than Maverick County’s overall (2006 versus 1997 median year built). 89% of occupied homes are owner-occupied in Elm Creek, above the Maverick County share of 71%.
Census data shows a median home value of $170,100 in Elm Creek. The Maverick County median is similar, at $158,700. Market value includes land and location, so it is not the same as the cost to rebuild; insure the dwelling to a replacement-cost estimate instead.
Hazard ratings for Maverick County
| Hazard | FEMA NRI rating | NOAA reports, 2016–2025 |
|---|---|---|
| Hail | Relatively Low | 14 hail reports |
| Tornadoes | Relatively Moderate | 0 tornadoes |
| Strong wind | Relatively Low | 12 thunderstorm wind reports |
| Inland flooding | Relatively Moderate | 13 flash floods |
| Hurricanes | Relatively Low | – |
| Wildfire | Very Low | – |
| Winter weather | Relatively Low | – |
| Drought | Relatively Moderate | – |
| Lightning | Relatively Moderate | – |
Taking all natural hazards together, FEMA rates Maverick County relatively low. Hazard by hazard, the strongest scores are for tornadoes (relatively moderate), inland flooding (relatively moderate) and lightning (relatively moderate).
Counting from 2000, 6 major disaster declarations for natural hazards have included Maverick County. Recent ones: Severe Storms, Straight-line Winds, Tornadoes, and Flooding (2026), Severe Winter Storms (2021) and Hurricane Alex (2010).
What the comparison means for your policy
- There is no TWIA option in Maverick County, so the homeowners carrier handles wind and hail, and its deductible for those perils can differ from the all-other-perils deductible.
- Maverick County participates in the NFIP for its unincorporated areas, so federal flood policies can be bought here. NFIP data counts 121 residential flood policies in Maverick County, about 1 for every 148 homes. Flood needs its own policy, and buying one right before a storm will not help because of the usual 30-day wait.
- Half of the housing in Elm Creek dates from 2006 or earlier, per Census estimates. Pre-1980 houses are about less than 1% of the stock, and post-2000 houses about 71%. A young housing stock usually means modern code compliance, which can help with rates; HOA rules and builder warranties may still shape what you need.
Contacts for Elm Creek homeowners
The Maverick County appraisal district (www.maverickcad.org) publishes the square footage, year built and improvements insurers use to estimate rebuild cost. The district office address is 2243 N. Veterans Blvd. Eagle Pass, TX 78853-4236. Watches and warnings for Elm Creek are issued by NWS Austin/San Antonio, TX. Radar coverage comes from the KDFX site.
For county-level data, Elm Creek falls under Maverick County. The Eagle Pass metro area counts Maverick County among its central counties. Measured point to point, Elm Creek sits roughly 104 miles northwest of Laredo.
Elm Creek coverage questions
Which weather risks matter for insuring a home in Elm Creek?
FEMA’s National Risk Index rates overall risk in Maverick County as relatively low. The top-rated hazards are tornadoes (relatively moderate), inland flooding (relatively moderate) and lightning (relatively moderate). Flood is the one that needs its own policy; the others are generally covered perils with deductibles.
How much could I save by shopping my Elm Creek policy?
On this page we model a 39.4% gap between the local market estimate and our estimate for Elm Creek. It is not a quote, and actual savings can be higher, lower or zero.
Has Elm Creek been part of a FEMA disaster declaration?
Since 2000, FEMA has declared 6 natural-hazard major disasters that include Maverick County. The most recent was Severe Storms, Straight-line Winds, Tornadoes, and Flooding, declared in September 2026. FEMA assistance is capped and is not a substitute for insurance.
Can I get competitive quotes in Elm Creek from carriers outside the area?
Yes. Pricing depends on your address and home, not the agent’s office. Whether you are in Elm Creek or Laredo, about 104 miles away, an independent agency can shop multiple carriers remotely.
Ready to price your Elm Creek home?
One call to 800-875-4711 or a short online form gets several carriers working on your quote.
Data sources and notes
Figures were retrieved in October 2026 and are estimates with margins of error. The two price cards are modeled estimates from Texas Insurance Resources, not quotes.
- Texas Comptroller regions
- FEMA declared disasters, Maverick County
- Comptroller county directory, Maverick County
- OpenFEMA NFIP data, Maverick County
- Census metro delineation
- Census Gazetteer files
- American Community Survey 2020–2024, Elm Creek CDP: year built, population, median year built, tenure, home value, structure type
- NOAA NCEI storm reports, Maverick County
- County and state comparisons: Maverick County value, Maverick County build year, Texas value
- FEMA NRI county ratings, Maverick County
- NWS Austin/San Antonio, TX
- TWIA eligibility