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Home Insurance in Pharr, TX
Side-by-side numbers for Pharr, Hidalgo County and the state, covering housing, hazards and flood insurance.
$4,567/yr
About $381/mo · ~$300k-$400k dwelling class
$2,594/yr
About $216/mo after modeled shopping discount
About 43.2% below local market estimate
Pharr compared with Hidalgo County and Texas
| Measure | Pharr | Hidalgo County | Texas |
|---|---|---|---|
| Median home value | $121,900 | $140,900 | $283,800 |
| Median year built | 2001 | 2000 | 1992 |
| Owner-occupied homes | 59% | 67% | 63% |
| Single-family detached | 58% | 65% | 64% |
| Built before 1980 | 19% | 18% | 33% |
| Built 2000 or later | 53% | 49% | 39% |
| Manufactured homes | 17% | 14% | 6% |
Home ages in Pharr are close to the Hidalgo County pattern (median year built 2001 versus 2000). Owner-occupancy is lower than the county figure (59% versus 67%).
Owners in Pharr put the median value of their homes at $121,900. The county-wide figure is higher, at $140,900. A home’s market value is a starting point only; the dwelling limit should reflect labor and materials to rebuild it at today’s prices.
Weather risk in Hidalgo County, rated
| 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 | – |
FEMA’s National Risk Index rates overall natural-hazard risk in Hidalgo County as relatively high. Hazard by hazard, the strongest scores are for hail (very high), hurricanes (very high) and ice storms (very high).
Natural hazards have put Hidalgo County in 13 federal major disaster declarations since 2000. Among the most recent are Severe Storms and Flooding (2025), Hurricane Beryl (2024) and Severe Winter Storms (2021).
Coverage takeaways for Pharr
- 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.
- Because Pharr is an NFIP participating community, homeowners can buy National Flood Insurance Program coverage. Its current effective flood map dates to October 1982. NFIP data counts 9,038 residential flood policies in Hidalgo County, about 1 for every 27 homes. Since 2016, 2,496 NFIP flood claims have come from Hidalgo County. Flood needs its own policy, and buying one right before a storm will not help because of the usual 30-day wait.
- The median home in Pharr was built in 2001. Homes built before 1980 make up about 19% of the total; those built since 2000 account for 53%. With so much newer housing, ask carriers whether they offer a new-construction credit and how long it lasts.
Local offices and records
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. For local warnings, the responsible National Weather Service office is NWS Brownsville/Rio Grande Valley, TX. The associated NEXRAD radar is KBRO.
Pharr is in Hidalgo County. The McAllen-Edinburg-Mission metro area counts Hidalgo County among its central counties. McAllen is the closest larger city, roughly 5 miles away, with Pharr to its southeast.
Questions Pharr homeowners ask
How risky is Hidalgo County for natural hazards?
FEMA’s National Risk Index rates overall risk in Hidalgo County as relatively high. Its standout hazards are hail (very high), hurricanes (very high) and ice storms (very high). Use that list to decide where higher limits or a lower deductible are worth the premium.
How many major disasters has Hidalgo County seen?
Hidalgo County has been included in 13 natural-hazard major disaster declarations since 2000. The most recent was Severe Storms and Flooding, declared in May 2025. Disaster aid rarely covers a full rebuild, which is why adequate limits matter.
Is the median home value in Pharr the right dwelling limit?
Usually not. The median owner-estimated value in Pharr is $121,900, yet that number includes land and location. Carriers estimate replacement cost from size, construction and finishes, and that is what the dwelling limit should follow.
Can I get competitive quotes in Pharr from carriers outside the area?
Yes. Pricing depends on your address and home, not the agent’s office. Whether you are in Pharr or McAllen, about 5 miles away, an independent agency can shop multiple carriers remotely.
Get a Pharr home insurance quote
Talk to a licensed Texas Insurance Resources agent at 800-875-4711, or get a quote online.
Where the Pharr numbers come from
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.
- Comptroller 2024 regions
- NWS Brownsville/Rio Grande Valley, TX
- National Risk Index (FEMA), Hidalgo County
- FEMA declared disasters, Hidalgo County
- Census metro delineation
- Gazetteer (Census)
- Benchmarks: Hidalgo County value, Hidalgo County build year, Texas value
- Texas Windstorm Insurance Association
- Storm Events Database (NOAA), Hidalgo County
- NFIP data (OpenFEMA), Hidalgo County
- Census Bureau ACS five-year data, Pharr city: median year built, tenure, year built, home value, structure type, population
- Community Status Book (NFIP)
- Texas property tax directory, Hidalgo County