Home / Texas Home Insurance Locations / Eagle Pass
Home Insurance in Eagle Pass, TX
From build years to owner-occupancy, the makeup of Eagle Pass’s housing explains much of what insurers ask. This guide starts with the homes themselves.
The Eagle Pass housing stock in numbers
Detached houses represent about 70% of the housing in Eagle Pass, where 60% of households own their home.
Why build year matters in Eagle Pass
1990 is the median year built for housing units in Eagle Pass. Roughly 35% of the housing stock predates 1980 and 38% is from 2000 onward. Some homes from the late 1970s through the mid-1990s used polybutylene supply lines, a material some insurers ask about during underwriting.
$3,522/yr
About $294/mo · ~$300k-$400k dwelling class
$1,937/yr
About $161/mo after modeled shopping discount
About 45% below local market estimate
Setting the dwelling limit in Eagle Pass
Owners in Eagle Pass put the median value of their homes at $188,000. For comparison, Maverick County as a whole comes in at $158,700. Land value is part of a sale price but not of a rebuild, so the right Coverage A figure can be well above or below market value.
What each coverage does for Eagle Pass owners
The structure limit. It should equal what it would cost to rebuild at current labor and material prices.
Detached garages, fences, sheds and workshops, often set at 10% of Coverage A by default.
Furniture, clothing and electronics. Replacement-cost settlement pays more than actual cash value after a loss.
Loss of use. After a large storm, contractor backlogs can stretch repairs, so this limit matters.
Covers your legal liability for injuries or damage to others; an umbrella policy can extend it.
Small medical bills for guests injured at your home, regardless of fault.
Storm and flood context for Eagle Pass
FEMA’s county-level National Risk Index puts Maverick County in the relatively low band overall. Among individual perils, the top ratings go to tornadoes (relatively moderate), inland flooding (relatively moderate) and lightning (relatively moderate). Maverick County had 14 hail reports in NOAA’s storm records for 2016 through 2025. Quarter-size or larger stones, an inch and up, appear in 9 of them. The biggest stones, 1.75 inches across, fell on April 12, 2016.
Wind coverage in Maverick County stays inside the homeowners policy because the county is outside TWIA’s coastal territory; compare the wind/hail deductible on every quote. Search the FEMA Flood Map Service Center by street address to find your zone.
Where to look up your Eagle Pass home
Before you request quotes, pull your record from the Maverick appraisal district at www.maverickcad.org; the Texas Comptroller’s Maverick County directory lists its contact details. The district office address is 2243 N. Veterans Blvd. Eagle Pass, TX 78853-4236.
Maverick County is home to Eagle Pass. Federal statistical definitions place Maverick County at the core of the Eagle Pass metro area. The nearest bigger city is Laredo, about 99 miles from Eagle Pass as the crow flies.
FAQ: Eagle Pass home insurance
How old are homes in Eagle Pass, and does that change my rate?
Half the homes were built by 1990, and roughly 35% are pre-1980, according to the Census Bureau. At this age the roof is the main question, followed by the water heater and supply lines.
Should I insure my Eagle Pass home for its market value?
Not necessarily. The Census median home value in Eagle Pass is $188,000, but Coverage A should match the cost to rebuild, which excludes land and can be higher or lower than market value. Ask for a replacement-cost estimate based on square footage and finishes.
Do I have to carry homeowners insurance in Eagle Pass?
No Texas law requires it, but mortgage lenders almost always do, and they can buy costly force-placed coverage if your policy lapses.
Do I need separate flood insurance in Eagle Pass?
Flood is not part of a homeowners policy; it is bought separately through the NFIP or a private insurer. Eagle Pass participates in the National Flood Insurance Program, and its current flood map took effect in April 2011. Only about 1 in 148 Maverick County homes carries NFIP coverage. Most NFIP policies begin after a 30-day wait, so do not wait for a storm forecast.
Get an Eagle Pass home insurance quote
Talk to a licensed Texas Insurance Resources agent at 800-875-4711, or get a quote online.
Sources and methodology
Figures were retrieved in October 2026 and are estimates with margins of error. Premium figures in the estimate cards are illustrative models, not quotes.
- Community Status Book (NFIP)
- Texas property tax directory, Maverick County
- FEMA National Risk Index, Maverick County
- NFIP data (OpenFEMA), Maverick County
- TWIA eligibility
- Comparison figures: Maverick County value, Maverick County build year
- NOAA Storm Events Database, Maverick County
- Comptroller economic regions
- Census metro delineation
- Gazetteer (Census)
- Census ACS 2020–2024, Eagle Pass city: tenure, structure type, year built, median year built, home value, population