Home Insurance in Dilley, TX

Only your lender can require it; Texas itself does not. If the home is paid off, the choice is yours, but one serious storm or fire can cost far more than years of premiums.

Flood is not part of a homeowners policy; it is bought separately through the NFIP or a private insurer. NFIP coverage is available because Dilley is a participating community, and its current flood map took effect in February 1988. In Frio County, about 1 in 724 homes has an NFIP policy. Most NFIP policies begin after a 30-day wait, so do not wait for a storm forecast.

The estimate cards above model about 35.3% below the local market figure for Dilley. Treat it as illustrative; your quote depends on the home, roof, claims history and deductible.

Enough to rebuild, which is not the same as market value. Census data puts the Dilley median at $106,400, but your dwelling limit should equal what it would cost to rebuild the house at today’s labor and material prices.

Since 2000, FEMA has declared 9 natural-hazard major disasters that include Frio County. The most recent was Severe Storms, Straight-line Winds, Tornadoes, and Flooding, declared in September 2026. Federal aid for homeowners is limited and often comes as SBA disaster loans, so insurance remains the main way to recover.

From 2016 through 2025, NOAA logged 18 hail reports in Frio County, 15 of them with stones an inch or larger. FEMA’s National Risk Index rates the county’s hail risk relatively moderate. Compare how each carrier settles roof claims and what a percentage deductible would cost you out of pocket.

No. Frio County is outside TWIA’s designated catastrophe area, so wind and hail are covered by the homeowners policy itself, usually with a separate wind and hail deductible.

Start at www.friocad.org, the Frio appraisal district site, for size, year built and improvement records. Add your roof replacement date and any updates to complete the picture.

Census estimates put the median build year at 1985, with about 37% of homes older than 1980. Many homes from this era are on a second roof, so the roof’s age and material are key rating factors.