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Home Insurance in La Homa, TX
FEMA rates hail and hurricanes as the leading natural hazards for Hidalgo County. Here is the storm, flood and wind record that shapes home insurance in La Homa.
$5,116/yr
About $426/mo · ~$300k-$400k dwelling class
$3,244/yr
About $270/mo after modeled shopping discount
About 36.6% below local market estimate
Natural hazard profile for La Homa
Hidalgo County lands in the relatively high category of FEMA’s National Risk Index. Hazard by hazard, the strongest scores are for hail (very high), hurricanes (very high) and ice storms (very high).
With hail rated very high, the roof is the line item to watch: compare wind/hail deductibles and how each carrier settles roof claims.
Hurricanes are rated very high; hurricane wind falls under wind coverage, while storm surge is flood and needs its own policy.
Ice storms are rated very high in Hidalgo County; falling trees and limbs are a common claim, and debris removal limits vary.
Cold waves are rated very high in Hidalgo County; frozen pipes are the main home insurance concern.
Recent severe weather in Hidalgo County
Hail turned up 58 times in Hidalgo County in NOAA’s database between 2016 and 2025. Quarter-size or larger stones, an inch and up, appear in 52 of them. The largest reported hail was 3 inches on May 8, 2025. Between 2016 and 2025, 3 tornadoes touched down in Hidalgo County.
Straight-line thunderstorm winds generated 78 reports, peaking around 96 mph. The same records include 22 flash flood events.
Counting from 2000, 13 major disaster declarations for natural hazards have included Hidalgo County. The latest declarations were Severe Storms and Flooding (2025), Hurricane Beryl (2024) and Severe Winter Storms (2021).
Wind and hail coverage in La Homa
TWIA does not write in Hidalgo County; wind and hail claims go through your regular homeowners policy, which may carry its own wind/hail deductible.
Flood exposure and the NFIP in La Homa
Homes outside city limits fall under Hidalgo County’s NFIP participation, so federal flood policies are available. Across Hidalgo County, 9,038 residential NFIP policies were in force, roughly 1 for every 27 homes. NFIP records show 2,496 flood claims in the county since 2016. Standard homeowners policies exclude flood, and a new NFIP policy generally has a 30-day waiting period.
Your flood zone is a quick search away on the FEMA Flood Map Service Center.
How La Homa homes are built and valued
1999 is the median year built for housing units in La Homa. Homes built before 1980 make up about 3% of the total; those built since 2000 account for 46%. Owners in La Homa put the median value of their homes at $109,200. That is below the Hidalgo County median of $140,900. 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.
Where La Homa homeowners can check the details
La Homa belongs to Hidalgo County. Federal statistical definitions place Hidalgo County at the core of the McAllen-Edinburg-Mission metro area. Mission is the closest larger city, roughly 6 miles away, with La Homa to its north.
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. You can also visit the office at 4405 S. Professional Dr. Edinburg, TX 78539-6556. Watches and warnings for La Homa are issued by NWS Brownsville/Rio Grande Valley, TX. The associated NEXRAD radar is KBRO.
Questions about weather risk in La Homa
How common are hailstorms in Hidalgo County?
Hidalgo County had 58 hail reports in NOAA’s records for 2016 to 2025, 52 of them with stones an inch or larger. FEMA’s National Risk Index rates the county’s hail risk very high. Impact-resistant roofing and a deductible you can afford are the two levers worth discussing with an agent.
Do I need separate flood insurance in La Homa?
Homeowners policies exclude flood, so it takes a separate NFIP or private flood policy. In Hidalgo County, about 1 in 27 homes has an NFIP policy. New NFIP policies usually take 30 days to start.
Can I get TWIA windstorm coverage in La Homa?
No. TWIA only writes in the 14 first-tier coastal counties and part of Harris County, and Hidalgo County is not among them. Your homeowners carrier covers wind and hail.
Are frozen pipes covered in La Homa?
Generally yes, if a pipe bursts suddenly and you kept the home reasonably heated. FEMA rates winter weather risk in Hidalgo County as relatively high. Slow leaks, mold and wear are commonly excluded.
Get a La Homa home insurance quote
Texas Insurance Resources shops multiple carriers for you. Call 800-875-4711 or start online.
Sources for this La Homa page
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.
- Census Bureau ACS five-year data, La Homa CDP: tenure, structure type, year built, home value, median year built, population
- Texas property tax directory, Hidalgo County
- Comptroller 2024 regions
- NWS Brownsville/Rio Grande Valley, TX
- Disaster declarations (FEMA), Hidalgo County
- TWIA coverage area
- National Risk Index (FEMA), Hidalgo County
- NOAA NCEI storm reports, Hidalgo County
- OpenFEMA NFIP data, Hidalgo County
- Benchmarks: Hidalgo County value, Hidalgo County build year
- Census CBSA delineation
- Gazetteer (Census)