Home / Texas Home Insurance Locations / Edcouch
Home Insurance in Edcouch, TX
How Edcouch homes and hazards compare with Hidalgo County and Texas as a whole, and what the differences mean for your policy.
$5,165/yr
About $430/mo · ~$300k-$400k dwelling class
$2,867/yr
About $239/mo after modeled shopping discount
About 44.5% below local market estimate
Edcouch, Hidalgo County and Texas side by side
| Measure | Edcouch | Hidalgo County | Texas |
|---|---|---|---|
| Median home value | – | $140,900 | $283,800 |
| Median year built | 1992 | 2000 | 1992 |
| Owner-occupied homes | 50% | 67% | 63% |
| Single-family detached | 76% | 65% | 64% |
| Built before 1980 | 32% | 18% | 33% |
| Built 2000 or later | 34% | 49% | 39% |
| Manufactured homes | 3% | 14% | 6% |
The housing stock in Edcouch is older than Hidalgo County’s overall, by median build year (1992 versus 2000). Owner-occupancy is lower than the county figure (50% versus 67%). Manufactured homes are less common in Edcouch (3% of units) than across Hidalgo County (14%).
For a small place like Edcouch, the survey margin on home values is wide, so the county median of $140,900 is a steadier reference. 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.
Hidalgo County hazards and storm counts
| 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 | – |
The National Risk Index from FEMA scores Hidalgo County as relatively high for combined natural-hazard risk. The individual hazards that stand out are hail (very high), hurricanes (very high) and ice storms (very high).
Since 2000, Hidalgo County has been included in 13 federal major disaster declarations for natural hazards. Among the most recent are Severe Storms and Flooding (2025), Hurricane Beryl (2024) and Severe Winter Storms (2021).
What the comparison means for your policy
- There is no TWIA option in Hidalgo County, so the homeowners carrier handles wind and hail, and its deductible for those perils can differ from the all-other-perils deductible.
- NFIP flood policies are available in Edcouch, a participating community. Flood coverage is far from universal: 9,038 residential NFIP policies in Hidalgo County, or about 1 per 27 homes. Since 2016, 2,496 NFIP flood claims have come from Hidalgo County. Since homeowners forms exclude flood, plan ahead: most NFIP policies only take effect after a 30-day waiting period.
- Census estimates put the median construction year for homes in Edcouch at 1992. Pre-1980 houses are about 32% of the stock, and post-2000 houses about 34%. Original water heaters and supply lines in homes of this age are a frequent source of water claims, so replacing them can make a home easier to insure.
Where to verify Edcouch details
Square footage and build year on file with the Hidalgo appraisal district (www.hidalgoad.org) feed straight into replacement-cost estimates, so check them for errors. Its office is at 4405 S. Professional Dr. Edinburg, TX 78539-6556. Watches and warnings for Edcouch are issued by NWS Brownsville/Rio Grande Valley, TX. The associated NEXRAD radar is KBRO.
For county-level data, Edcouch falls under Hidalgo County. Hidalgo County forms part of the urban core of the McAllen-Edinburg-Mission metro. Measured point to point, Edcouch sits roughly 12 miles east of Edinburg.
Edcouch coverage questions
How risky is Hidalgo County for natural hazards?
Overall, FEMA scores Hidalgo County as relatively high. The top-rated hazards are hail (very high), hurricanes (very high) and ice storms (very high). Those are the perils to ask about when you compare deductibles and endorsements.
How much could I save by shopping my Edcouch policy?
Our illustrative TX Insurance Resources estimate for Edcouch reflects a modeled 44.5% improvement versus the local market anchor. It is an estimate for comparison only; real results vary by home, coverage and carrier.
Has Edcouch been part of a FEMA disaster declaration?
Hidalgo County has been included in 13 natural-hazard major disaster declarations since 2000. The most recent was Severe Storms and Flooding, declared in May 2025. Federal aid for homeowners is limited and often comes as SBA disaster loans, so insurance remains the main way to recover.
Can I get competitive quotes in Edcouch from carriers outside the area?
Yes. Pricing depends on your address and home, not the agent’s office. Whether you are in Edcouch or Edinburg, about 12 miles away, an independent agency can shop multiple carriers remotely.
Get an Edcouch home insurance quote
Talk to a licensed Texas Insurance Resources agent at 800-875-4711, or get a quote online.
Data sources and notes
All public data on this page was pulled in October 2026. Census numbers are survey estimates. Price estimates near the top are Texas Insurance Resources models for comparison, not quotes or published averages.
- Comptroller county directory, Hidalgo County
- OpenFEMA flood insurance data, Hidalgo County
- Census CBSA delineation
- Census Gazetteer files
- NWS Brownsville/Rio Grande Valley, TX
- TWIA eligibility
- Texas Comptroller regions
- FEMA National Risk Index, Hidalgo County
- Disaster declarations (FEMA), Hidalgo County
- NOAA NCEI storm reports, Hidalgo County
- American Community Survey 2020–2024, Edcouch city: year built, median year built, structure type, population, home value, tenure
- Comparison figures: Hidalgo County value, Hidalgo County build year, Texas value