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Home Insurance in Hebbronville, TX
Side-by-side numbers for Hebbronville, Jim Hogg County and the state, covering housing, hazards and flood insurance.
$4,602/yr
About $384/mo · ~$300k-$400k dwelling class
$2,908/yr
About $242/mo after modeled shopping discount
About 36.8% below local market estimate
Hebbronville, Jim Hogg County and Texas side by side
| Measure | Hebbronville | Jim Hogg County | Texas |
|---|---|---|---|
| Median home value | $136,300 | $129,400 | $283,800 |
| Median year built | 1976 | 1977 | 1992 |
| Owner-occupied homes | 56% | 56% | 63% |
| Single-family detached | 81% | 79% | 64% |
| Built before 1980 | 59% | 55% | 33% |
| Built 2000 or later | 17% | 21% | 39% |
| Manufactured homes | 5% | 9% | 6% |
By median build year, Hebbronville (1976) and Jim Hogg County (1977) are similar.
Census data shows a median home value of $136,300 in Hebbronville. It tracks the county median of $129,400 fairly closely. Sale prices and rebuild costs can diverge in either direction, which is why carriers run their own replacement-cost estimate for the dwelling limit.
Jim Hogg County hazards and storm counts
| Hazard | FEMA NRI rating | NOAA reports, 2016–2025 |
|---|---|---|
| Hail | Relatively Low | 3 hail reports |
| Tornadoes | Very Low | 0 tornadoes |
| Strong wind | Very Low | 3 thunderstorm wind reports |
| Inland flooding | Very Low | 0 flash floods |
| Hurricanes | Relatively Low | – |
| Wildfire | Very Low | – |
| Winter weather | Very Low | – |
| Lightning | Very Low | – |
Jim Hogg County lands in the relatively low category of FEMA’s National Risk Index. Among individual perils, the top ratings go to cold waves (relatively high).
FEMA has issued 7 natural-hazard major disaster declarations covering Jim Hogg County since 2000. The latest declarations were Severe Winter Storms (2021), Wildfires (2011) and Hurricane Alex (2010).
What the comparison means for your policy
- TWIA does not write in Jim Hogg County; wind and hail claims go through your regular homeowners policy, which may carry its own wind/hail deductible.
- Flood insurance for unincorporated areas is handled through Jim Hogg County, which participates in the National Flood Insurance Program. Across Jim Hogg County, 12 residential NFIP policies were in force, roughly 1 for every 180 homes. Remember that flood is excluded from homeowners policies and NFIP coverage usually starts 30 days after purchase.
- 1976 is the median year built for housing units in Hebbronville. 17% of local homes are from 2000 or later, compared with 59% built before 1980. With a stock this mature, insurers often want the roof age and the year the electrical panel and plumbing were last updated before they bind coverage.
Contacts for Hebbronville homeowners
The Jim Hogg County appraisal district (www.jimhogg-cad.org) publishes the square footage, year built and improvements insurers use to estimate rebuild cost. You can also visit the office at 515 W. Viggie St. Hebbronville, TX 78361-3062. Hebbronville is covered by the NWS Brownsville/Rio Grande Valley, TX forecast office, which issues local watches and warnings. The associated NEXRAD radar is KCRP.
The county for Hebbronville is Jim Hogg County. Jim Hogg County is not part of a metropolitan or micropolitan area in the federal delineation. Laredo is the closest larger city, roughly 52 miles away, with Hebbronville to its east.
Questions Hebbronville homeowners ask
Which weather risks matter for insuring a home in Hebbronville?
Jim Hogg County is rated relatively low overall in FEMA’s National Risk Index. Its standout hazards are cold waves (relatively high). Those are the perils to ask about when you compare deductibles and endorsements.
Should I insure my Hebbronville home for its market value?
Not necessarily. The Census median home value in Hebbronville is $136,300, 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.
How much could I save by shopping my Hebbronville policy?
Our illustrative TX Insurance Resources estimate for Hebbronville reflects a modeled 36.8% improvement versus the local market anchor. It is an estimate for comparison only; real results vary by home, coverage and carrier.
Has Hebbronville been part of a FEMA disaster declaration?
Since 2000, FEMA has declared 7 natural-hazard major disasters that include Jim Hogg County. The most recent was Severe Winter Storms, declared in February 2021. Disaster aid rarely covers a full rebuild, which is why adequate limits matter.
Compare Hebbronville home insurance quotes
Texas Insurance Resources shops multiple carriers for you. Call 800-875-4711 or start online.
Where the Hebbronville numbers come from
All public data on this page was pulled in October 2026. Census numbers are survey estimates. The two price cards are modeled estimates from Texas Insurance Resources, not quotes.
- NOAA NCEI storm reports, Jim Hogg County
- Census metro delineation
- Census Gazetteer files
- NFIP data (OpenFEMA), Jim Hogg County
- NWS Brownsville/Rio Grande Valley, TX
- Comparison figures: Jim Hogg County value, Jim Hogg County build year, Texas value
- American Community Survey 2020–2024, Hebbronville CDP: structure type, median year built, tenure, year built, home value, population
- Texas Windstorm Insurance Association
- Comptroller county directory, Jim Hogg County
- National Risk Index (FEMA), Jim Hogg County
- Texas Comptroller regions
- FEMA disaster declarations, Jim Hogg County