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Home Insurance in Roma, TX
How Roma homes and hazards compare with Starr County and Texas as a whole, and what the differences mean for your policy.
$4,953/yr
About $413/mo · ~$300k-$400k dwelling class
$2,902/yr
About $242/mo after modeled shopping discount
About 41.4% below local market estimate
Roma, Starr County and Texas side by side
| Measure | Roma | Starr County | Texas |
|---|---|---|---|
| Median home value | $94,400 | $95,100 | $283,800 |
| Median year built | 1993 | 1994 | 1992 |
| Owner-occupied homes | 55% | 70% | 63% |
| Single-family detached | 74% | 80% | 64% |
| Built before 1980 | 27% | 20% | 33% |
| Built 2000 or later | 35% | 38% | 39% |
| Manufactured homes | 7% | 10% | 6% |
Home ages in Roma are close to the Starr County pattern (median year built 1993 versus 1994). 55% of occupied homes are owner-occupied in Roma, below the Starr County share of 70%.
Homeowners in Roma report a median value of $94,400. It tracks the county median of $95,100 fairly closely. 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 Starr County, rated
| Hazard | FEMA NRI rating | NOAA reports, 2016–2025 |
|---|---|---|
| Hail | Relatively Low | 25 hail reports |
| Tornadoes | Relatively Low | 0 tornadoes |
| Strong wind | Very Low | 13 thunderstorm wind reports |
| Inland flooding | Relatively Low | 11 flash floods |
| Hurricanes | Relatively Low | – |
| Wildfire | Relatively Low | – |
| Winter weather | Relatively Low | – |
| Drought | Relatively Moderate | – |
| Lightning | Very Low | – |
FEMA’s National Risk Index rates overall natural-hazard risk in Starr County as relatively moderate. Its leading hazards, by rating, are cold waves (very high), heat waves (relatively moderate) and drought (relatively moderate).
FEMA has issued 8 natural-hazard major disaster declarations covering Starr County since 2000. The most recent include Severe Storms and Flooding (2025), Severe Winter Storms (2021) and Severe Storms, Tornadoes, Straight-line Winds and Flooding (2015).
Turning the Roma numbers into coverage choices
- Since Starr County is not a TWIA county, look at how your homeowners policy handles wind and hail, including whether that deductible is a flat amount or a percentage of the dwelling limit.
- The city takes part in the National Flood Insurance Program, which makes federal flood policies available. Its current effective flood map dates to April 2010. Only about 1 in 112 homes in Starr County carries an NFIP policy (152 residential policies). Starr County has produced 34 NFIP claims from 2016 on. Flood needs its own policy, and buying one right before a storm will not help because of the usual 30-day wait.
- Line up every home in Roma by age and the one in the middle was built in 1993. 35% of local homes are from 2000 or later, compared with 27% built before 1980. A middle-aged housing stock means roof age matters a lot: a roof past roughly 15 to 20 years can move a policy to actual cash value roof coverage with some carriers.
Where to verify Roma details
Your property record, including square footage and year built, is on the Starr appraisal district site at www.starrcad.org (phone 956-487-5613). The district office address is 100 N. FM 3167, Ste. 300 Rio Grande City, TX 78582-6211. The NWS Brownsville/Rio Grande Valley, TX office handles forecasts and storm warnings for Roma. Radar coverage comes from the KBRO site.
The county for Roma is Starr County. Starr County makes up part of the Rio Grande City-Roma micropolitan area. Measured point to point, Roma sits roughly 49 miles west of McAllen.
Questions Roma homeowners ask
How risky is Starr County for natural hazards?
Starr County is rated relatively moderate overall in FEMA’s National Risk Index. Its standout hazards are cold waves (very high), heat waves (relatively moderate) and drought (relatively moderate). Use that list to decide where higher limits or a lower deductible are worth the premium.
Is homeowners coverage mandatory for Roma homeowners?
Only your lender can require it; Texas itself does not. If the home is paid off, the choice is yours, but one serious storm or fire can cost far more than years of premiums.
Should I insure my Roma home for its market value?
Not necessarily. The Census median home value in Roma is $94,400, but Coverage A should match the cost to rebuild, which excludes land and can be higher or lower than market value. Ask for a replacement-cost estimate based on square footage and finishes.
Is windstorm insurance through TWIA an option in Roma?
No. TWIA only writes in the 14 first-tier coastal counties and part of Harris County, and Starr County is not among them. Your homeowners carrier covers wind and hail.
Ready to price your Roma home?
Compare carriers with Texas Insurance Resources. Call 800-875-4711 or request a quote online.
Sources and methodology
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.
- TWIA eligibility
- NFIP data (OpenFEMA), Starr County
- Comptroller county directory, Starr County
- NOAA NCEI storm reports, Starr County
- Census metro delineation
- Census Gazetteer files
- FEMA declared disasters, Starr County
- NWS Brownsville/Rio Grande Valley, TX
- Comparison figures: Starr County value, Starr County build year, Texas value
- NFIP Community Status Book
- Texas Comptroller regions
- American Community Survey 2020–2024, Roma city: year built, structure type, population, median year built, home value, tenure
- FEMA NRI county ratings, Starr County