Home / Texas Home Insurance Locations / Mission
Home Insurance in Mission, TX
Storm reports, flood records and FEMA hazard ratings for Hidalgo County, with plain-English notes on how hail and hurricanes risks show up in a Mission policy.
$5,262/yr
About $438/mo · ~$300k-$400k dwelling class
$3,147/yr
About $262/mo after modeled shopping discount
About 40.2% below local market estimate
Mission hazard snapshot
Taking all natural hazards together, FEMA rates Hidalgo County relatively high. 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.
FEMA rates hurricane exposure very high here, so coastal-style questions apply: who covers wind, and is flood insured separately?
Ice storms are rated very high in Hidalgo County; falling trees and limbs are a common claim, and debris removal limits vary.
With cold waves rated very high, protecting exposed plumbing helps avoid water-damage claims.
The Hidalgo County storm record, 2016 to 2025
Hail turned up 58 times in Hidalgo County in NOAA’s database between 2016 and 2025. Of these, 52 reached at least one inch in diameter. The biggest stones, 3 inches across, fell on May 8, 2025. NOAA lists 3 tornadoes in Hidalgo County between 2016 and 2025.
There were also 78 damaging-wind reports from thunderstorms, topping out around 96 mph. NOAA also counts 22 flash flood events in the county in that period.
Since 2000, Hidalgo County has been included in 13 federal major disaster declarations for natural hazards. Recent ones: Severe Storms and Flooding (2025), Hurricane Beryl (2024) and Severe Winter Storms (2021).
Who covers wind in Mission?
Wind coverage in Hidalgo County stays inside the homeowners policy because the county is outside TWIA’s coastal territory; compare the wind/hail deductible on every quote.
Flood exposure and the NFIP in Mission
Mission participates in the National Flood Insurance Program, so NFIP policies are available to residents. Its current effective flood map dates to November 1991. Flood coverage is far from universal: 9,038 residential NFIP policies in Hidalgo County, or about 1 per 27 homes. Hidalgo County has produced 2,496 NFIP claims from 2016 on. Since homeowners forms exclude flood, plan ahead: most NFIP policies only take effect after a 30-day waiting period.
The FEMA Flood Map Service Center shows the flood zone for any address.
Mission housing in brief
Line up every home in Mission by age and the one in the middle was built in 2000. The split is roughly 15% pre-1980 construction versus 51% built from 2000 on. The typical owner-occupied home in Mission is valued at about $175,700. For comparison, Hidalgo County as a whole comes in at $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 Mission homeowners can check the details
Mission is in Hidalgo County. Federal statistical definitions place Hidalgo County at the core of the McAllen-Edinburg-Mission metro area. Measured point to point, Mission sits roughly 5 miles west of McAllen.
Insurers often check the appraisal district record, so confirm that what the Hidalgo district shows at www.hidalgoad.org matches your home. The district office address is 4405 S. Professional Dr. Edinburg, TX 78539-6556. The NWS Brownsville/Rio Grande Valley, TX office handles forecasts and storm warnings for Mission. The radar the weather service assigns to this point is KBRO.
Mission hazard and coverage questions
What does the hail record look like near Mission?
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. Compare how each carrier settles roof claims and what a percentage deductible would cost you out of pocket.
How do wind and hail deductibles work in Mission?
A percentage deductible is calculated on your dwelling limit; for example, 2% of a $300,000 dwelling limit is $6,000 out of pocket per wind or hail claim. A flat-dollar deductible usually costs more in premium but is easier to budget. With 52 reports of inch-plus hail in Hidalgo County from 2016 through 2025, it is worth pricing both options.
Is home insurance required in Mission?
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.
Can I get TWIA windstorm coverage in Mission?
No. Hidalgo 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.
Get a Mission home insurance quote
Texas Insurance Resources shops multiple carriers for you. Call 800-875-4711 or start online.
Sources for this Mission page
Data reflects the most recent releases available in October 2026; survey figures carry margins of error. The two price cards are modeled estimates from Texas Insurance Resources, not quotes.
- Comptroller CAD listing, Hidalgo County
- OpenFEMA NFIP data, Hidalgo County
- National Risk Index (FEMA), Hidalgo County
- Comptroller economic regions
- FEMA disaster declarations, Hidalgo County
- Community Status Book (NFIP)
- NWS Brownsville/Rio Grande Valley, TX
- NOAA Storm Events Database, Hidalgo County
- Census ACS 2020–2024, Mission city: tenure, median year built, home value, year built, structure type, population
- Census CBSA delineation
- Census Gazetteer files
- Comparison figures: Hidalgo County value, Hidalgo County build year
- TWIA coverage area