Home / Texas Home Insurance Locations / Edison Road
Home Insurance in Edison Road, TX
FEMA rates tornadoes and inland flooding as the leading natural hazards for Maverick County. Here is the storm, flood and wind record that shapes home insurance in Edison Road.
$3,079/yr
About $257/mo · ~$300k-$400k dwelling class
$1,894/yr
About $158/mo after modeled shopping discount
About 38.5% below local market estimate
Natural hazard profile for Edison Road
FEMA’s county-level National Risk Index puts Maverick County in the relatively low band overall. Hazard by hazard, the strongest scores are for tornadoes (relatively moderate), inland flooding (relatively moderate) and lightning (relatively moderate).
With tornadoes rated relatively moderate, check that loss-of-use coverage would carry you through a long rebuild.
Inland flood risk is relatively moderate in Maverick County; heavy rain can flood homes outside mapped zones, and homeowners policies exclude it.
Lightning is rated relatively moderate in Maverick County. Fire from a strike is a covered peril; ask how your policy treats power-surge damage to appliances and electronics.
Heat waves are rated relatively moderate in Maverick County; heat speeds roof aging, which feeds into roof-age underwriting.
Recent severe weather in Maverick County
From 2016 to 2025, 14 hail events were recorded in Maverick County in NOAA’s Storm Events Database. Quarter-size or larger stones, an inch and up, appear in 9 of them. On April 12, 2016, observers reported hail as large as 1.75 inches. No tornadoes were logged in Maverick County in NOAA’s 2016 to 2025 records, though high wind from thunderstorms still counts.
Straight-line thunderstorm winds generated 12 reports, peaking around 85 mph. Add 13 flash flood events over those ten years.
Counting from 2000, 6 major disaster declarations for natural hazards have included Maverick County. The most recent include Severe Storms, Straight-line Winds, Tornadoes, and Flooding (2026), Severe Winter Storms (2021) and Hurricane Alex (2010).
Who covers wind in Edison Road?
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.
Flood insurance in Edison Road
Homes outside city limits fall under Maverick County’s NFIP participation, so federal flood policies are available. NFIP data counts 121 residential flood policies in Maverick County, about 1 for every 148 homes. A homeowners policy will not pay for rising water; flood is a separate policy, and NFIP coverage typically takes 30 days to begin.
You can check your flood zone by address at the FEMA Flood Map Service Center.
How Edison Road homes are built and valued
According to the Census Bureau, the typical home in Edison Road went up around 1997. Homes built before 1980 make up about 15% of the total; those built since 2000 account for 43%. Owners in Edison Road put the median value of their homes at $100,900. Maverick County overall comes in higher, at $158,700. Your dwelling limit should be built from square footage, materials and local labor costs rather than what the house would sell for.
Local offices for Edison Road homeowners
Edison Road is in Maverick County. In the federal metro delineation, Maverick County anchors the Eagle Pass metro. Measured point to point, Edison Road sits roughly 98 miles northwest of Laredo.
The Maverick County appraisal district (www.maverickcad.org) publishes the square footage, year built and improvements insurers use to estimate rebuild cost. Its office is at 2243 N. Veterans Blvd. Eagle Pass, TX 78853-4236. The NWS Austin/San Antonio, TX office handles forecasts and storm warnings for Edison Road. The radar the weather service assigns to this point is KDFX.
FAQ: Edison Road storm and flood coverage
What wind and hail deductible should I choose in Edison Road?
Pick the deductible you could pay the week after a storm. Percentage deductibles scale with the dwelling limit, so 1% on a $400,000 limit means $4,000 per claim, while flat deductibles stay fixed. With 9 reports of inch-plus hail in Maverick County from 2016 through 2025, it is worth pricing both options.
Do I have to carry homeowners insurance in Edison Road?
Texas does not mandate homeowners insurance, yet nearly every mortgage requires it. Owners without a loan still carry the full cost of a fire, hail or theft loss if uninsured.
Is windstorm insurance through TWIA an option in Edison Road?
No. Maverick 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.
Is flood insurance available in Edison Road?
Homeowners policies exclude flood, so it takes a separate NFIP or private flood policy. 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.
Compare Edison Road home insurance quotes
Compare carriers with Texas Insurance Resources. Call 800-875-4711 or request a quote online.
Where the Edison Road numbers come from
Census figures on this page are for Eidson Road CDP in Maverick County, the Census Bureau’s spelling of this community’s name. Figures were retrieved in October 2026 and are estimates with margins of error. Premium figures in the estimate cards are illustrative models, not quotes.
- NOAA NCEI storm reports, Maverick County
- NFIP data (OpenFEMA), Maverick County
- FEMA NRI county ratings, Maverick County
- FEMA declared disasters, Maverick County
- American Community Survey 2020–2024, Eidson Road CDP: tenure, home value, population, year built, structure type, median year built
- TWIA coverage area
- NWS Austin/San Antonio, TX
- OMB metro and micro areas
- Census Gazetteer files
- Benchmarks: Maverick County value, Maverick County build year
- Comptroller economic regions
- Comptroller county directory, Maverick County