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Home Insurance in San Carlos, TX
San Carlos homeowners insure against hail and hurricanes first, according to FEMA’s county ratings. This page lays out the local hazard data and what it means for coverage.
$4,771/yr
About $398/mo · ~$300k-$400k dwelling class
$2,786/yr
About $232/mo after modeled shopping discount
About 41.6% below local market estimate
What FEMA’s ratings say about San Carlos
FEMA’s National Risk Index rates overall natural-hazard risk in Hidalgo County as relatively high. Its leading hazards, by rating, are hail (very high), hurricanes (very high) and ice storms (very high).
A very high hail rating makes the wind/hail deductible one of the biggest pricing levers, since a percentage deductible is based on your dwelling limit, not the claim.
With hurricane risk very high in Hidalgo County, look closely at any named-storm or hurricane deductible, which is often a percentage of the dwelling limit.
With ice storms rated very high, limbs on roofs and downed fences are the typical claims.
With cold waves rated very high, protecting exposed plumbing helps avoid water-damage claims.
Ten years of storm reports in Hidalgo County
From 2016 to 2025, 58 hail events were recorded in Hidalgo County in NOAA’s Storm Events Database. In 52 cases the hail was an inch across or bigger. On May 8, 2025, observers reported hail as large as 3 inches. Tornado records for Hidalgo County show 3 touchdowns from 2016 through 2025.
Straight-line thunderstorm winds generated 78 reports, peaking around 96 mph. Flash floods account for 22 more entries in the decade.
Hidalgo County appears in 13 presidential major disaster declarations for weather and other natural hazards from 2000 onward. Among the most recent are Severe Storms and Flooding (2025), Hurricane Beryl (2024) and Severe Winter Storms (2021).
Wind and hail coverage in San Carlos
Hidalgo County is outside TWIA’s designated catastrophe area, so wind and hail are normally covered by the homeowners policy itself, often with a separate percentage deductible.
Flood risk and coverage for San Carlos
Homes outside city limits fall under Hidalgo County’s NFIP participation, so federal flood policies are available. Across Hidalgo County, 9,038 residential NFIP policies were in force, roughly 1 for every 27 homes. Policyholders in the county have filed 2,496 NFIP claims since 2016. Remember that flood is excluded from homeowners policies and NFIP coverage usually starts 30 days after purchase.
Your flood zone is a quick search away on the FEMA Flood Map Service Center.
The homes behind the risk
The median home in San Carlos was built in 1992. 35% of local homes are from 2000 or later, compared with 17% built before 1980. Owners in San Carlos put the median value of their homes at $75,600. That is below the Hidalgo County median of $140,900. Keep in mind that Coverage A should follow rebuilding cost, not sale price, since the lot itself does not burn or blow away.
Local records and contacts for San Carlos
For county-level data, San Carlos falls under Hidalgo County. In the federal metro delineation, Hidalgo County anchors the McAllen-Edinburg-Mission metro. San Carlos lies east of Edinburg, around 6 miles away in a straight line.
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. Watches and warnings for San Carlos are issued by NWS Brownsville/Rio Grande Valley, TX. Radar coverage comes from the KBRO site.
FAQ: San Carlos storm and flood coverage
How common are hailstorms in Hidalgo County?
From 2016 through 2025, NOAA logged 58 hail reports in Hidalgo County, 52 of them with stones an inch or larger. FEMA’s National Risk Index rates the county’s hail risk very high. Keep photos of your roof’s condition so a future claim is easier to document.
Is a percentage deductible a good idea in San Carlos?
A percentage deductible is calculated on your dwelling limit; for example, 2% of a $300,000 dwelling limit is $6,000 out of pocket per wind or hail claim. A flat-dollar deductible usually costs more in premium but is easier to budget. With 52 reports of inch-plus hail in Hidalgo County from 2016 through 2025, it is worth pricing both options.
Is homeowners coverage mandatory for San Carlos homeowners?
No Texas law requires it, but mortgage lenders almost always do, and they can buy costly force-placed coverage if your policy lapses.
Are tornadoes covered on a San Carlos home policy?
Yes. Tornadoes fall under the windstorm peril, so the wind and hail deductible applies. Hidalgo County had 3 tornadoes in NOAA’s 2016 to 2025 records, which is a good reason to check your dwelling, other-structures and debris-removal limits.
Ready to price your San Carlos home?
One call to 800-875-4711 or a short online form gets several carriers working on your quote.
Data sources and notes
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.
- OMB metro and micro areas
- Census Gazetteer coordinates
- Texas property tax directory, Hidalgo County
- Texas Windstorm Insurance Association
- County and state comparisons: Hidalgo County value, Hidalgo County build year
- FEMA National Risk Index, Hidalgo County
- Comptroller 2024 regions
- NFIP data (OpenFEMA), Hidalgo County
- Storm Events Database (NOAA), Hidalgo County
- NWS Brownsville/Rio Grande Valley, TX
- FEMA declared disasters, Hidalgo County
- Census Bureau ACS five-year data, San Carlos CDP: structure type, tenure, population, median year built, year built, home value