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Home Insurance in Progreso Lakes, TX
What Progreso Lakes houses look like on paper, and how age, type and value feed into a homeowners quote.
What Progreso Lakes housing looks like
Owners live in 89% of occupied homes, and detached single-family houses account for about 96% of the stock.
Why build year matters in Progreso Lakes
Roughly 30% of the housing stock predates 1980 and 33% is from 2000 onward. Some homes from the late 1970s through the mid-1990s used polybutylene supply lines, a material some insurers ask about during underwriting.
$4,572/yr
About $381/mo · ~$300k-$400k dwelling class
$2,912/yr
About $243/mo after modeled shopping discount
About 36.3% below local market estimate
Setting the dwelling limit in Progreso Lakes
Owners in Progreso Lakes put the median value of their homes at $219,700. For comparison, Hidalgo County as a whole comes in at $140,900. Land value is part of a sale price but not of a rebuild, so the right Coverage A figure can be well above or below market value.
Coverage A through F for a Progreso Lakes home
Covers the house. Lenders require it, and it is the base that percentage deductibles are calculated from.
Detached garages, fences, sheds and workshops, often set at 10% of Coverage A by default. Rural and large-lot properties often need more than the default.
Your belongings. A room-by-room photo inventory makes claims faster.
Extra living costs if a covered loss forces you out during repairs.
Legal defense and damages if someone is hurt on your property or you damage someone else’s.
Guest medical coverage that can head off a liability claim.
Weather backdrop for Progreso Lakes
The National Risk Index from FEMA scores Hidalgo County as relatively high for combined natural-hazard risk. The highest-rated individual hazards are hail (very high), hurricanes (very high) and ice storms (very high). NOAA’s Storm Events Database logs 58 hail reports in Hidalgo County from 2016 through 2025. Quarter-size or larger stones, an inch and up, appear in 52 of them. On May 8, 2025, observers reported hail as large as 3 inches.
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. Search the FEMA Flood Map Service Center by street address to find your zone.
Records to check before you quote
Your property record, including square footage and year built, is on the Hidalgo appraisal district site at www.hidalgoad.org (phone 956-381-8466). Its office is at 4405 S. Professional Dr. Edinburg, TX 78539-6556.
Hidalgo County is home to Progreso Lakes. In the federal metro delineation, Hidalgo County anchors the McAllen-Edinburg-Mission metro. Pharr is the closest larger city, roughly 16 miles away, with Progreso Lakes to its southeast.
FAQ: Progreso Lakes home insurance
What is a typical savings range when switching?
Our illustrative TX Insurance Resources estimate for Progreso Lakes reflects a modeled 36.3% improvement versus the local market anchor. It is an estimate for comparison only; real results vary by home, coverage and carrier.
Where can I find my property details before getting a quote in Progreso Lakes?
The Hidalgo appraisal district website (www.hidalgoad.org) lists square footage, year built and improvements for your property. Have those, plus your roof’s age and material, ready before you compare quotes.
Should I compare quotes every year in Progreso Lakes?
Yearly is a good habit, plus whenever your premium jumps, you finish a remodel or you replace the roof.
Does homeowners insurance in Progreso Lakes cover flooding?
Homeowners policies exclude flood, so it takes a separate NFIP or private flood policy. Only about 1 in 27 Hidalgo County homes carries NFIP coverage. Most NFIP policies begin after a 30-day wait, so do not wait for a storm forecast.
Compare Progreso Lakes home insurance quotes
Compare carriers with Texas Insurance Resources. Call 800-875-4711 or request a quote online.
Sources and methodology
Data reflects the most recent releases available in October 2026; survey figures carry margins of error. Premium figures in the estimate cards are illustrative models, not quotes.
- Texas property tax directory, Hidalgo County
- American Community Survey 2020–2024, Progreso Lakes city: population, year built, median year built, tenure, structure type, home value
- Census CBSA delineation
- Census Gazetteer files
- FEMA NRI county ratings, Hidalgo County
- Comparison figures: Hidalgo County value, Hidalgo County build year
- Texas Comptroller regions
- OpenFEMA flood insurance data, Hidalgo County
- Texas Windstorm Insurance Association
- NOAA Storm Events Database, Hidalgo County