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Home Insurance in Murillo, TX
See where Murillo stands against county and statewide figures before you compare home insurance quotes.
$5,233/yr
About $436/mo · ~$300k-$400k dwelling class
$2,894/yr
About $241/mo after modeled shopping discount
About 44.7% below local market estimate
How Murillo homes compare
| Measure | Murillo | Hidalgo County | Texas |
|---|---|---|---|
| Median home value | $164,100 | $140,900 | $283,800 |
| Median year built | 2006 | 2000 | 1992 |
| Owner-occupied homes | 81% | 67% | 63% |
| Single-family detached | 78% | 65% | 64% |
| Built before 1980 | 7% | 18% | 33% |
| Built 2000 or later | 68% | 49% | 39% |
| Manufactured homes | 11% | 14% | 6% |
Murillo’s housing is younger than Hidalgo County’s overall (2006 versus 2000 median year built). Owner-occupancy is higher than the county figure (81% versus 67%).
The typical owner-occupied home in Murillo is valued at about $164,100. That is well above the Hidalgo County median of $140,900. Keep in mind that Coverage A should follow rebuilding cost, not sale price, since the lot itself does not burn or blow away.
Hazard ratings for Hidalgo County
| 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 | – |
Taking all natural hazards together, FEMA rates Hidalgo County relatively high. The highest-rated individual hazards are hail (very high), hurricanes (very high) and ice storms (very high).
Hidalgo County appears in 13 presidential major disaster declarations for weather and other natural hazards from 2000 onward. Recent ones: Severe Storms and Flooding (2025), Hurricane Beryl (2024) and Severe Winter Storms (2021).
Turning the Murillo numbers into coverage choices
- 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 insurance for unincorporated areas is handled through Hidalgo County, which participates in the National Flood Insurance Program. 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. Remember that flood is excluded from homeowners policies and NFIP coverage usually starts 30 days after purchase.
- Line up every home in Murillo by age and the one in the middle was built in 2006. About 7% of homes went up before 1980, while 68% were built in 2000 or later. Recent construction often qualifies for age-of-home discounts, but rebuild costs in new subdivisions can run higher than buyers expect.
Contacts for Murillo homeowners
The Hidalgo County appraisal district (www.hidalgoad.org) publishes the square footage, year built and improvements insurers use to estimate rebuild cost. You can also visit the office at 4405 S. Professional Dr. Edinburg, TX 78539-6556. Murillo is covered by the NWS Brownsville/Rio Grande Valley, TX forecast office, which issues local watches and warnings. Its assigned radar site for Murillo is KBRO.
Murillo belongs to Hidalgo County. Hidalgo County is a central county of the McAllen-Edinburg-Mission metropolitan area. Murillo lies southeast of Edinburg, around 4 miles away in a straight line.
FAQ: Murillo home insurance
Which weather risks matter for insuring a home in Murillo?
Hidalgo County is rated relatively high overall in FEMA’s National Risk Index. The highest individual ratings are for hail (very high), hurricanes (very high) and ice storms (very high). Flood is the one that needs its own policy; the others are generally covered perils with deductibles.
Does Texas law require home insurance in Murillo?
There is no state requirement. Mortgage contracts, HOA rules and some condo bylaws are what usually make coverage mandatory.
How much dwelling coverage do Murillo homes need?
Enough to rebuild, which is not the same as market value. Census data puts the Murillo median at $164,100, but your dwelling limit should equal what it would cost to rebuild the house at today’s labor and material prices.
What is a typical savings range when switching?
On this page we model a 44.7% gap between the local market estimate and our estimate for Murillo. It is not a quote, and actual savings can be higher, lower or zero.
Ready to price your Murillo home?
Compare carriers with Texas Insurance Resources. Call 800-875-4711 or request a quote online.
About the data
Figures were retrieved in October 2026 and are estimates with margins of error. Premium figures in the estimate cards are illustrative models, not quotes.
- OMB metro and micro areas
- Census Gazetteer coordinates
- FEMA NRI county ratings, Hidalgo County
- TWIA coverage area
- Comptroller CAD listing, Hidalgo County
- County and state comparisons: Hidalgo County value, Hidalgo County build year, Texas value
- Census ACS 2020–2024, Murillo CDP: tenure, population, median year built, year built, home value, structure type
- FEMA disaster declarations, Hidalgo County
- NOAA Storm Events Database, Hidalgo County
- NWS Brownsville/Rio Grande Valley, TX
- OpenFEMA NFIP data, Hidalgo County
- Comptroller economic regions