Home / Texas Home Insurance Locations / Raymondville
Home Insurance in Raymondville, TX
Side-by-side numbers for Raymondville, Willacy County and the state, covering housing, hazards and flood insurance.
$5,074/yr
About $423/mo · ~$300k-$400k dwelling class
$3,252/yr
About $271/mo after modeled shopping discount
About 35.9% below local market estimate
Raymondville, Willacy County and Texas side by side
| Measure | Raymondville | Willacy County | Texas |
|---|---|---|---|
| Median home value | $52,200 | $73,600 | $283,800 |
| Median year built | 1981 | 1984 | 1992 |
| Owner-occupied homes | 70% | 75% | 63% |
| Single-family detached | 72% | 75% | 64% |
| Built before 1980 | 49% | 43% | 33% |
| Built 2000 or later | 22% | 26% | 39% |
| Manufactured homes | 19% | 13% | 6% |
Home ages in Raymondville are close to the Willacy County pattern (median year built 1981 versus 1984). Manufactured homes are more common in Raymondville (19% of units) than across Willacy County (13%).
Owners in Raymondville put the median value of their homes at $52,200. Willacy County overall comes in higher, at $73,600. 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.
Hazard ratings for Willacy County
| Hazard | FEMA NRI rating | NOAA reports, 2016–2025 |
|---|---|---|
| Hail | Relatively Low | 7 hail reports |
| Tornadoes | Very Low | 2 tornadoes |
| Strong wind | Very Low | 9 thunderstorm wind reports |
| Inland flooding | Very Low | 6 flash floods |
| Hurricanes | Relatively Moderate | – |
| Coastal flooding | Very Low | – |
| Wildfire | Very Low | – |
| Winter weather | Very Low | – |
| Drought | Relatively High | – |
| Lightning | Relatively Moderate | – |
FEMA’s National Risk Index rates overall natural-hazard risk in Willacy County as relatively low. The highest-rated individual hazards are drought (relatively high), cold waves (relatively high) and hurricanes (relatively moderate).
Natural hazards have put Willacy County in 9 federal major disaster declarations since 2000. The most recent include Severe Storms and Flooding (2025), Hurricane Beryl (2024) and Severe Winter Storms (2021).
Turning the Raymondville numbers into coverage choices
- Because Willacy County is among the 14 first-tier coastal counties, Raymondville is eligible for windstorm and hail coverage from TWIA when the private market will not write it.
- NFIP flood policies are available in Raymondville, a participating community. The effective FEMA flood map for the community is from April 2017. Only about 1 in 10 homes in Willacy County carries an NFIP policy (588 residential policies). NFIP records show 152 flood claims in the county 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.
- Census estimates put the median construction year for homes in Raymondville at 1981. 22% of local homes are from 2000 or later, compared with 49% built before 1980. Some homes from the late 1970s through the mid-1990s used polybutylene supply lines, a material some insurers ask about during underwriting.
Local offices and records
The Willacy County appraisal district (www.willacycad.org) publishes the square footage, year built and improvements insurers use to estimate rebuild cost. Its office is at 688 FM 3168 Raymondville, TX 78580. For local warnings, the responsible National Weather Service office is NWS Brownsville/Rio Grande Valley, TX. Radar coverage comes from the KBRO site.
Raymondville is in Willacy County. Federal definitions group Willacy County into the Raymondville micropolitan area. By straight-line distance, Raymondville is about 20 miles north of Harlingen.
Questions Raymondville homeowners ask
Which weather risks matter for insuring a home in Raymondville?
Overall, FEMA scores Willacy County as relatively low. The highest individual ratings are for drought (relatively high), cold waves (relatively high) and hurricanes (relatively moderate). Those are the perils to ask about when you compare deductibles and endorsements.
Is home insurance required in Raymondville?
State law does not require it. Your lender will, though, and if coverage lapses the lender can place a policy for you that usually costs more and covers less.
Can I get competitive quotes in Raymondville from carriers outside the area?
Yes. Pricing depends on your address and home, not the agent’s office. Whether you are in Raymondville or Harlingen, about 20 miles away, an independent agency can shop multiple carriers remotely.
Can I get TWIA windstorm coverage in Raymondville?
Yes. TWIA’s designated catastrophe area covers all of Willacy County, one of the 14 first-tier coastal counties. Homes that meet TWIA’s eligibility rules can insure wind and hail there if the homeowners carrier excludes those perils.
Compare Raymondville home insurance quotes
Talk to a licensed Texas Insurance Resources agent at 800-875-4711, or get a quote online.
Sources and methodology
Public data current as of October 2026; Census figures are survey estimates. Price estimates near the top are Texas Insurance Resources models for comparison, not quotes or published averages.
- Comptroller county directory, Willacy County
- Texas Windstorm Insurance Association
- Comptroller 2024 regions
- FEMA disaster declarations, Willacy County
- FEMA National Risk Index, Willacy County
- Comparison figures: Willacy County value, Willacy County build year, Texas value
- Census CBSA delineation
- Census Gazetteer coordinates
- NFIP Community Status Book
- NOAA Storm Events Database, Willacy County
- OpenFEMA NFIP data, Willacy County
- NWS Brownsville/Rio Grande Valley, TX
- Census ACS 2020–2024, Raymondville city: structure type, median year built, tenure, population, year built, home value