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Home Insurance in Pearsall, TX
FEMA rates drought and hail as the leading natural hazards for Frio County. Here is the storm, flood and wind record that shapes home insurance in Pearsall.
$3,356/yr
About $280/mo · ~$300k-$400k dwelling class
$1,886/yr
About $157/mo after modeled shopping discount
About 43.8% below local market estimate
Pearsall hazard snapshot
FEMA’s county-level National Risk Index puts Frio County in the relatively low band overall. Its leading hazards, by rating, are drought (relatively high), hail (relatively moderate) and heat waves (relatively moderate).
FEMA rates drought relatively high; watering around the foundation in dry months helps, since settling damage is usually excluded.
Hail is rated relatively moderate in Frio County. Ask whether your roof is covered at replacement cost or actual cash value, and whether a Class 4 impact-resistant roof earns a credit.
FEMA rates heat waves relatively moderate; long hot seasons shorten roof life, so keep records of your roof replacement date.
With cold waves rated relatively moderate, protecting exposed plumbing helps avoid water-damage claims.
The Frio County storm record, 2016 to 2025
NOAA’s Storm Events Database logs 18 hail reports in Frio County from 2016 through 2025. Quarter-size or larger stones, an inch and up, appear in 15 of them. On March 1, 2023, observers reported hail as large as 4 inches. NOAA lists 2 tornadoes in Frio County between 2016 and 2025.
There were also 3 damaging-wind reports from thunderstorms, topping out around 64 mph. Flash floods account for 4 more entries in the decade.
FEMA has issued 9 natural-hazard major disaster declarations covering Frio County since 2000. The most recent include Severe Storms, Straight-line Winds, Tornadoes, and Flooding (2026), Severe Winter Storms (2021) and Severe Storms, Tornadoes, Straight-line Winds and Flooding (2015).
Who covers wind in Pearsall?
Frio 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.
Flood risk and coverage for Pearsall
NFIP flood policies are available in Pearsall, a participating community. Its current effective flood map dates to May 1981. Flood coverage is far from universal: 7 residential NFIP policies in Frio County, or about 1 per 724 homes. Since homeowners forms exclude flood, plan ahead: most NFIP policies only take effect after a 30-day waiting period.
Look up your address on the FEMA Flood Map Service Center to see your flood zone.
How Pearsall homes are built and valued
Line up every home in Pearsall by age and the one in the middle was built in 1978. 13% of local homes are from 2000 or later, compared with 54% built before 1980. Census data shows a median home value of $106,700 in Pearsall. That is close to the Frio County median of $107,700. Sale prices and rebuild costs can diverge in either direction, which is why carriers run their own replacement-cost estimate for the dwelling limit.
Where Pearsall homeowners can check the details
Frio County is home to Pearsall. No metro or micro area includes Frio County, so it is rural by the federal definition. The nearest bigger city is San Antonio, about 52 miles from Pearsall as the crow flies.
Your property record, including square footage and year built, is on the Frio appraisal district site at www.friocad.org (phone 830-334-4163). You can also visit the office at 815 S. Oak St. Pearsall, TX 78061-2915. Pearsall is covered by the NWS Austin/San Antonio, TX forecast office, which issues local watches and warnings. The associated NEXRAD radar is KDFX.
FAQ: Pearsall storm and flood coverage
Will my policy cover foundation problems from drought in Pearsall?
Generally no. Settling and earth movement are excluded on most homeowners forms, even though drought, rated relatively high in Frio County by FEMA, can move foundations. A covered water leak that damages the slab may be the exception.
Does Texas law require home insurance in Pearsall?
Texas does not mandate homeowners insurance, yet nearly every mortgage requires it. Owners without a loan still carry the full cost of a fire, hail or theft loss if uninsured.
How do wind and hail deductibles work in Pearsall?
Pick the deductible you could pay the week after a storm. Percentage deductibles scale with the dwelling limit, so 1% on a $400,000 limit means $4,000 per claim, while flat deductibles stay fixed. Frio County logged 15 reports of hail an inch or larger from 2016 through 2025, so run the numbers both ways.
Can I get TWIA windstorm coverage in Pearsall?
No, Frio 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.
Request a Pearsall homeowners quote
Texas Insurance Resources shops multiple carriers for you. Call 800-875-4711 or start online.
Sources for this Pearsall page
All public data on this page was pulled in October 2026. Census numbers are survey estimates. The two price cards are modeled estimates from Texas Insurance Resources, not quotes.
- Community Status Book (NFIP)
- Census Bureau ACS five-year data, Pearsall city: median year built, home value, structure type, year built, tenure, population
- Comparison figures: Frio County value, Frio County build year
- NFIP data (OpenFEMA), Frio County
- FEMA disaster declarations, Frio County
- Storm Events Database (NOAA), Frio County
- NWS Austin/San Antonio, TX
- Comptroller county directory, Frio County
- Texas Windstorm Insurance Association
- Comptroller 2024 regions
- OMB metro and micro areas
- Census Gazetteer coordinates
- FEMA NRI county ratings, Frio County