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Home Insurance in Mercedes, TX
Side-by-side numbers for Mercedes, Hidalgo County and the state, covering housing, hazards and flood insurance.
$4,602/yr
About $384/mo · ~$300k-$400k dwelling class
$2,715/yr
About $226/mo after modeled shopping discount
About 41% below local market estimate
Mercedes compared with Hidalgo County and Texas
| Measure | Mercedes | Hidalgo County | Texas |
|---|---|---|---|
| Median home value | $111,800 | $140,900 | $283,800 |
| Median year built | 1991 | 2000 | 1992 |
| Owner-occupied homes | 63% | 67% | 63% |
| Single-family detached | 62% | 65% | 64% |
| Built before 1980 | 31% | 18% | 33% |
| Built 2000 or later | 36% | 49% | 39% |
| Manufactured homes | 14% | 14% | 6% |
Mercedes’s homes skew older than the county as a whole: median year built 1991, compared with 2000 across Hidalgo County.
Homeowners in Mercedes report a median value of $111,800. Hidalgo County overall comes in higher, at $140,900. Market value includes land and location, so it is not the same as the cost to rebuild; insure the dwelling to a replacement-cost estimate instead.
Weather risk in Hidalgo County, rated
| 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 | – |
FEMA’s county-level National Risk Index puts Hidalgo County in the relatively high band overall. Its leading hazards, by rating, are hail (very high), hurricanes (very high) and ice storms (very high).
FEMA has issued 13 natural-hazard major disaster declarations covering Hidalgo County since 2000. The most recent include Severe Storms and Flooding (2025), Hurricane Beryl (2024) and Severe Winter Storms (2021).
Coverage takeaways for Mercedes
- Hidalgo County is outside TWIA’s designated catastrophe area, so wind and hail are normally covered by the homeowners policy itself, often with a separate percentage deductible.
- FEMA lists Mercedes as a participating NFIP community. The flood insurance rate map in effect was issued in July 1979. In Hidalgo County, roughly 1 home in 27 has federal flood coverage (9,038 residential policies in force). Hidalgo County has produced 2,496 NFIP claims from 2016 on. Standard homeowners policies exclude flood, and a new NFIP policy generally has a 30-day waiting period.
- 1991 is the median year built for housing units in Mercedes. 36% of local homes are from 2000 or later, compared with 31% built before 1980. For homes in this age range, carriers mostly focus on the roof: its age, material and any prior hail repairs.
Local offices and records
Your property record, including square footage and year built, is on the Hidalgo appraisal district site at www.hidalgoad.org (phone 956-381-8466). The district office address is 4405 S. Professional Dr. Edinburg, TX 78539-6556. Severe weather warnings for Mercedes come from the NWS Brownsville/Rio Grande Valley, TX office. The radar the weather service assigns to this point is KBRO.
Hidalgo County is home to Mercedes. Federal statistical definitions place Hidalgo County at the core of the McAllen-Edinburg-Mission metro area. Head about 14 miles from Mercedes and you reach Harlingen, the nearest larger city.
Questions Mercedes homeowners ask
What natural hazards affect Mercedes homes most?
FEMA’s National Risk Index rates overall risk in Hidalgo County as relatively high. Its standout hazards are hail (very high), hurricanes (very high) and ice storms (very high). Use that list to decide where higher limits or a lower deductible are worth the premium.
What does the Mercedes savings estimate on this page mean?
The estimate cards above model about 41% below the local market figure for Mercedes. Treat it as illustrative; your quote depends on the home, roof, claims history and deductible.
Is windstorm insurance through TWIA an option in Mercedes?
No, Hidalgo County is not in TWIA territory. Look instead at the wind and hail deductible on your homeowners quotes, since that is where storm costs land.
Is homeowners coverage mandatory for Mercedes homeowners?
Only your lender can require it; Texas itself does not. If the home is paid off, the choice is yours, but one serious storm or fire can cost far more than years of premiums.
Compare Mercedes home insurance quotes
One call to 800-875-4711 or a short online form gets several carriers working on your quote.
Sources and methodology
Public data current as of October 2026; Census figures are survey estimates. The two price cards are modeled estimates from Texas Insurance Resources, not quotes.
- Texas Windstorm Insurance Association
- NFIP data (OpenFEMA), Hidalgo County
- Census Bureau ACS five-year data, Mercedes city: year built, home value, population, median year built, tenure, structure type
- Comptroller 2024 regions
- National Risk Index (FEMA), Hidalgo County
- Census metro delineation
- Gazetteer (Census)
- Storm Events Database (NOAA), Hidalgo County
- NWS Brownsville/Rio Grande Valley, TX
- Texas property tax directory, Hidalgo County
- FEMA declared disasters, Hidalgo County
- Benchmarks: Hidalgo County value, Hidalgo County build year, Texas value
- Community Status Book (NFIP)