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Home Insurance in Palmview, TX
How Palmview homes and hazards compare with Hidalgo County and Texas as a whole, and what the differences mean for your policy.
$4,815/yr
About $401/mo · ~$300k-$400k dwelling class
$2,980/yr
About $248/mo after modeled shopping discount
About 38.1% below local market estimate
Palmview, Hidalgo County and Texas side by side
| Measure | Palmview | Hidalgo County | Texas |
|---|---|---|---|
| Median home value | $113,600 | $140,900 | $283,800 |
| Median year built | 1996 | 2000 | 1992 |
| Owner-occupied homes | 76% | 67% | 63% |
| Single-family detached | 69% | 65% | 64% |
| Built before 1980 | 11% | 18% | 33% |
| Built 2000 or later | 35% | 49% | 39% |
| Manufactured homes | 20% | 14% | 6% |
By median build year, Palmview (1996) and Hidalgo County (2000) are similar. 76% of occupied homes are owner-occupied in Palmview, above the Hidalgo County share of 67%. Manufactured homes are more common in Palmview (20% of units) than across Hidalgo County (14%).
The median owner-estimated home value in Palmview is $113,600. That is below the Hidalgo County median of $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.
Hidalgo County hazards and storm counts
| 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 | – |
Hidalgo County lands in the relatively high category of FEMA’s National Risk Index. Among individual perils, the top ratings go to hail (very high), hurricanes (very high) and ice storms (very high).
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).
What the comparison means for your policy
- Since Hidalgo County is not a TWIA county, look at how your homeowners policy handles wind and hail, including whether that deductible is a flat amount or a percentage of the dwelling limit.
- The city takes part in the National Flood Insurance Program, which makes federal flood policies available. Only about 1 in 27 homes in Hidalgo County carries an NFIP policy (9,038 residential policies). Policyholders in the county have filed 2,496 NFIP claims since 2016. A homeowners policy will not pay for rising water; flood is a separate policy, and NFIP coverage typically takes 30 days to begin.
- According to the Census Bureau, the typical home in Palmview went up around 1996. Roughly 11% of the housing stock predates 1980 and 35% is from 2000 onward. A middle-aged housing stock means roof age matters a lot: a roof past roughly 15 to 20 years can move a policy to actual cash value roof coverage with some carriers.
Where to verify Palmview details
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. The NWS Brownsville/Rio Grande Valley, TX office handles forecasts and storm warnings for Palmview. Radar coverage comes from the KBRO site.
The county for Palmview is Hidalgo County. In the federal metro delineation, Hidalgo County anchors the McAllen-Edinburg-Mission metro. By straight-line distance, Palmview is about 4 miles northwest of Mission.
Palmview coverage questions
What does FEMA’s risk index say about Hidalgo County?
Overall, FEMA scores Hidalgo County as relatively high. The top-rated hazards are hail (very high), hurricanes (very high) and ice storms (very high). Those are the perils to ask about when you compare deductibles and endorsements.
Do I need a local agent for a Palmview home?
No. Palmview is about 4 miles northwest of Mission, and carriers rate by address, not by where the agent sits. An independent agency can compare several carriers for your exact location by phone or online.
Has Palmview been part of a FEMA disaster declaration?
Since 2000, FEMA has declared 13 natural-hazard major disasters that include Hidalgo County. The most recent was Severe Storms and Flooding, declared in May 2025. Federal aid for homeowners is limited and often comes as SBA disaster loans, so insurance remains the main way to recover.
How much could I save by shopping my Palmview policy?
Our illustrative TX Insurance Resources estimate for Palmview reflects a modeled 38.1% improvement versus the local market anchor. It is an estimate for comparison only; real results vary by home, coverage and carrier.
Request a Palmview homeowners quote
Texas Insurance Resources shops multiple carriers for you. Call 800-875-4711 or start online.
Sources for this Palmview page
Data reflects the most recent releases available in October 2026; survey figures carry margins of error. Price estimates near the top are Texas Insurance Resources models for comparison, not quotes or published averages.
- Disaster declarations (FEMA), Hidalgo County
- FEMA National Risk Index, Hidalgo County
- NOAA NCEI storm reports, Hidalgo County
- Census CBSA delineation
- Census Gazetteer files
- American Community Survey 2020–2024, Palmview city: structure type, median year built, home value, year built, population, tenure
- NWS Brownsville/Rio Grande Valley, TX
- OpenFEMA flood insurance data, Hidalgo County
- Texas Comptroller regions
- TWIA eligibility
- Comparison figures: Hidalgo County value, Hidalgo County build year, Texas value
- Comptroller county directory, Hidalgo County