Home / Texas Home Insurance Locations / Midway North
Home Insurance in Midway North, TX
What Midway North houses look like on paper, including age, type and value, and how each detail feeds into a homeowners quote.
What Midway North housing looks like
Single-family detached houses make up about 87% of housing units, and 86% of occupied homes are owner-occupied.
Why build year matters in Midway North
1995 is the median year built for housing units in Midway North. Pre-1980 houses are about 9% of the stock, and post-2000 houses about 36%. Homes from the 1980s and 1990s are now old enough that many are on a second roof, and insurers commonly ask when it was replaced.
$4,657/yr
About $388/mo · ~$300k-$400k dwelling class
$2,929/yr
About $244/mo after modeled shopping discount
About 37.1% below local market estimate
Setting the dwelling limit in Midway North
Homeowners in Midway North report a median value of $112,200. Hidalgo County overall comes in higher, at $140,900. Sale prices and rebuild costs can diverge in either direction, which is why carriers run their own replacement-cost estimate for the dwelling limit.
Coverage A through F for a Midway North home
Covers the house. Lenders require it, and it is the base that percentage deductibles are calculated from.
Detached garages, fences, sheds and workshops, often set at 10% of Coverage A by default. Larger lots and outbuildings are common here, so check the limit.
Your belongings. A room-by-room photo inventory makes claims faster.
Extra living costs if a covered loss forces you out during repairs.
Legal defense and damages if someone is hurt on your property or you damage someone else’s.
Guest medical coverage that can head off a liability claim.
Weather backdrop for Midway North
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). Over the ten years from 2016 to 2025, NOAA recorded 58 hail events across Hidalgo County. Of these, 52 reached at least one inch in diameter. The largest reported hail was 3 inches on May 8, 2025.
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. The FEMA Flood Map Service Center shows the flood zone for any address.
Records to check before you quote
Before you request quotes, pull your record from the Hidalgo appraisal district at www.hidalgoad.org; the Texas Comptroller’s Hidalgo County directory lists its contact details. Its office is at 4405 S. Professional Dr. Edinburg, TX 78539-6556.
Midway North is in Hidalgo County. Hidalgo County forms part of the urban core of the McAllen-Edinburg-Mission metro. Head about 12 miles from Midway North and you reach Edinburg, the nearest larger city.
FAQ: Midway North home insurance
How old are homes in Midway North, and does that change my rate?
Census estimates put the median build year at 1995, with about 9% of homes older than 1980. Many homes from this era are on a second roof, so the roof’s age and material are key rating factors.
Are manufactured homes in Midway North insured differently?
Usually. Manufactured homes make up about 8% of housing units in Midway North. They are typically written on a manufactured home policy, and tie-downs, age and skirting can affect eligibility.
Should I compare quotes every year in Midway North?
Review it every renewal, and again after a roof replacement, remodel or a major storm season that changes carrier pricing.
Is flood insurance available in Midway North?
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. Most NFIP policies begin after a 30-day wait, so do not wait for a storm forecast.
Ready to price your Midway North home?
Texas Insurance Resources shops multiple carriers for you. Call 800-875-4711 or start online.
Sources for this Midway North page
All public data on this page was pulled in October 2026. Census numbers are survey estimates. Premium figures in the estimate cards are illustrative models, not quotes.
- NOAA Storm Events Database, Hidalgo County
- FEMA NRI county ratings, Hidalgo County
- American Community Survey 2020–2024, Midway North CDP: tenure, structure type, year built, home value, population, median year built
- Texas Comptroller regions
- Comparison figures: Hidalgo County value, Hidalgo County build year
- Texas property tax directory, Hidalgo County
- OpenFEMA flood insurance data, Hidalgo County
- Census CBSA delineation
- Census Gazetteer files
- Texas Windstorm Insurance Association