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Home Insurance in Presidio, TX
See where Presidio stands against county and statewide figures before you compare home insurance quotes.
$4,360/yr
About $363/mo · ~$300k-$400k dwelling class
$2,681/yr
About $223/mo after modeled shopping discount
About 38.5% below local market estimate
Presidio compared with Presidio County and Texas
| Measure | Presidio | Presidio County | Texas |
|---|---|---|---|
| Median home value | – | $121,300 | $283,800 |
| Median year built | 1992 | 1982 | 1992 |
| Owner-occupied homes | 76% | 77% | 63% |
| Single-family detached | 66% | 67% | 64% |
| Built before 1980 | 13% | 47% | 33% |
| Built 2000 or later | 20% | 14% | 39% |
| Manufactured homes | 24% | 22% | 6% |
Homes in Presidio are newer than the county norm, with a median build year of 1992 against 1982 for Presidio County.
Survey samples in Presidio are small, so use the Presidio County median home value of $121,300 as a rough guide. Keep in mind that Coverage A should follow rebuilding cost, not sale price, since the lot itself does not burn or blow away.
Weather risk in Presidio County, rated
| Hazard | FEMA NRI rating | NOAA reports, 2016–2025 |
|---|---|---|
| Hail | Very Low | 12 hail reports |
| Tornadoes | Very Low | 0 tornadoes |
| Strong wind | Very Low | 9 thunderstorm wind reports |
| Inland flooding | Very Low | 3 flash floods |
| Hurricanes | Very Low | – |
| Wildfire | Relatively Low | – |
| Winter weather | Very Low | – |
| Drought | Relatively Moderate | – |
| Lightning | Relatively Low | – |
In FEMA’s National Risk Index, Presidio County carries an overall rating of very low. The highest-rated individual hazards are drought (relatively moderate).
Presidio County appears in 4 presidential major disaster declarations for weather and other natural hazards from 2000 onward. Among the most recent are Severe Winter Storms (2021), Wildfires (2011) and Extreme Wildfire Threat (2006).
Coverage takeaways for Presidio
- TWIA does not write in Presidio County; wind and hail claims go through your regular homeowners policy, which may carry its own wind/hail deductible.
- NFIP flood policies are available in Presidio, a participating community. NFIP data counts 18 residential flood policies in Presidio County, about 1 for every 176 homes. A homeowners policy will not pay for rising water; flood is a separate policy, and NFIP coverage typically takes 30 days to begin.
- Census estimates put the median construction year for homes in Presidio at 1992. Pre-1980 houses are about 13% of the stock, and post-2000 houses about 20%. Homes from the 1980s and 1990s are now old enough that many are on a second roof, and insurers commonly ask when it was replaced.
Where to verify Presidio details
Square footage and build year on file with the Presidio appraisal district (www.presidiocad.org) feed straight into replacement-cost estimates, so check them for errors. You can also visit the office at 107 E. Texas St. Marfa, TX 79843-9998. For local warnings, the responsible National Weather Service office is NWS Midland/Odessa.
Presidio sits within Presidio County. By federal definition Presidio County is rural, outside every metro and micro area.
Questions Presidio homeowners ask
What does FEMA’s risk index say about Presidio County?
Overall, FEMA scores Presidio County as very low. The highest individual ratings are for drought (relatively moderate). Those are the perils to ask about when you compare deductibles and endorsements.
How many major disasters has Presidio County seen?
Since 2000, FEMA has declared 4 natural-hazard major disasters that include Presidio County. The most recent was Severe Winter Storms, declared in February 2021. Disaster aid rarely covers a full rebuild, which is why adequate limits matter.
Can I get TWIA windstorm coverage in Presidio?
No. TWIA only writes in the 14 first-tier coastal counties and part of Harris County, and Presidio County is not among them. Your homeowners carrier covers wind and hail.
Do I have to carry homeowners insurance in Presidio?
There is no state requirement. Mortgage contracts, HOA rules and some condo bylaws are what usually make coverage mandatory.
Get a Presidio home insurance quote
Talk to a licensed Texas Insurance Resources agent at 800-875-4711, or get a quote online.
Data sources and notes
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.
- Census metro delineation
- National Risk Index (FEMA), Presidio County
- Texas Comptroller regions
- Census ACS 2020–2024, Presidio city: year built, tenure, structure type, home value, median year built, population
- Disaster declarations (FEMA), Presidio County
- NWS Midland/Odessa
- TWIA coverage area
- Comptroller CAD listing, Presidio County
- Storm Events Database (NOAA), Presidio County
- Comparison figures: Presidio County value, Presidio County build year, Texas value
- OpenFEMA flood insurance data, Presidio County