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Home Insurance in Donna, TX
See where Donna stands against county and statewide figures before you compare home insurance quotes.
$5,062/yr
About $422/mo · ~$300k-$400k dwelling class
$2,794/yr
About $233/mo after modeled shopping discount
About 44.8% below local market estimate
How Donna homes compare
| Measure | Donna | Hidalgo County | Texas |
|---|---|---|---|
| Median home value | $86,100 | $140,900 | $283,800 |
| Median year built | 1989 | 2000 | 1992 |
| Owner-occupied homes | 58% | 67% | 63% |
| Single-family detached | 61% | 65% | 64% |
| Built before 1980 | 32% | 18% | 33% |
| Built 2000 or later | 31% | 49% | 39% |
| Manufactured homes | 18% | 14% | 6% |
Donna’s homes skew older than the county as a whole: median year built 1989, compared with 2000 across Hidalgo County. 58% of occupied homes are owner-occupied in Donna, below the Hidalgo County share of 67%.
Census data shows a median home value of $86,100 in Donna. That is below the Hidalgo County median of $140,900. Your dwelling limit should be built from square footage, materials and local labor costs rather than what the house would sell for.
Hazard ratings for Hidalgo County
| Hazard | FEMA NRI rating | NOAA reports, 2016–2025 |
|---|---|---|
| Hail | Very High | 58 hail reports |
| Tornadoes | Relatively High | 3 tornadoes |
| Strong wind | Relatively High | 78 thunderstorm wind reports |
| Inland flooding | Relatively High | 22 flash floods |
| Hurricanes | Very High | – |
| Wildfire | Relatively Low | – |
| Winter weather | Relatively High | – |
| Drought | Relatively High | – |
| Lightning | Relatively High | – |
In FEMA’s National Risk Index, Hidalgo County carries an overall rating of relatively high. Hazard by hazard, the strongest scores are for hail (very high), hurricanes (very high) and ice storms (very high).
Natural hazards have put Hidalgo County in 13 federal major disaster declarations since 2000. The latest declarations were Severe Storms and Flooding (2025), Hurricane Beryl (2024) and Severe Winter Storms (2021).
Turning the Donna numbers into coverage choices
- Wind coverage in Hidalgo County stays inside the homeowners policy because the county is outside TWIA’s coastal territory; compare the wind/hail deductible on every quote.
- Because Donna is an NFIP participating community, homeowners can buy National Flood Insurance Program coverage. Its flood map now in force took effect in June 1985. NFIP data counts 9,038 residential flood policies in Hidalgo County, about 1 for every 27 homes. Policyholders in the county have filed 2,496 NFIP claims since 2016. 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 Donna dates from 1989 or earlier, per Census estimates. The split is roughly 32% pre-1980 construction versus 31% built from 2000 on. Some homes from the late 1970s through the mid-1990s used polybutylene supply lines, a material some insurers ask about during underwriting.
Contacts for Donna homeowners
Insurers often check the appraisal district record, so confirm that what the Hidalgo district shows at www.hidalgoad.org matches your home. You can also visit the office at 4405 S. Professional Dr. Edinburg, TX 78539-6556. For local warnings, the responsible National Weather Service office is NWS Brownsville/Rio Grande Valley, TX. Radar coverage comes from the KBRO site.
Donna sits within Hidalgo County. The McAllen-Edinburg-Mission metro area counts Hidalgo County among its central counties. The nearest bigger city is Pharr, about 10 miles from Donna as the crow flies.
FAQ: Donna home insurance
What does FEMA’s risk index say about Hidalgo County?
Hidalgo County is rated relatively high overall in FEMA’s National Risk Index. The highest individual ratings are for hail (very high), hurricanes (very high) and ice storms (very high). Flood is the one that needs its own policy; the others are generally covered perils with deductibles.
How much dwelling coverage do Donna homes need?
Enough to rebuild, which is not the same as market value. Census data puts the Donna median at $86,100, but your dwelling limit should equal what it would cost to rebuild the house at today’s labor and material prices.
What coverage do landlords and tenants need in Donna?
Renters occupy about 42% of homes in Donna. Landlords generally need a DP-1, DP-2 or DP-3 dwelling policy, and tenants need renters insurance, because the landlord’s policy does not cover a tenant’s belongings.
What is a typical savings range when switching?
On this page we model a 44.8% gap between the local market estimate and our estimate for Donna. It is not a quote, and actual savings can be higher, lower or zero.
Request a Donna homeowners quote
Texas Insurance Resources shops multiple carriers for you. Call 800-875-4711 or start online.
Where the Donna numbers come from
Data reflects the most recent releases available in October 2026; survey figures carry margins of error. Premium figures in the estimate cards are illustrative models, not quotes.
- FEMA disaster declarations, Hidalgo County
- NOAA Storm Events Database, Hidalgo County
- NWS Brownsville/Rio Grande Valley, TX
- NFIP Community Status Book
- Comptroller CAD listing, Hidalgo County
- FEMA NRI county ratings, Hidalgo County
- TWIA coverage area
- OMB metro and micro areas
- Census Gazetteer coordinates
- County and state comparisons: Hidalgo County value, Hidalgo County build year, Texas value
- Census ACS 2020–2024, Donna city: year built, structure type, home value, median year built, tenure, population
- Comptroller economic regions
- OpenFEMA NFIP data, Hidalgo County