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Home Insurance in Scissors, TX
Storm reports, flood records and FEMA hazard ratings for Hidalgo County, with plain-English notes on how hail and hurricanes risks show up in a Scissors policy.
$4,912/yr
About $409/mo · ~$300k-$400k dwelling class
$2,815/yr
About $235/mo after modeled shopping discount
About 42.7% below local market estimate
Scissors hazard snapshot
In FEMA’s National Risk Index, Hidalgo County carries an overall rating of relatively high. The highest-rated individual hazards are hail (very high), hurricanes (very high) and ice storms (very high).
FEMA rates hail very high in Hidalgo County; roof material, roof age and prior hail repairs will all show up in underwriting questions.
Hurricane risk is very high in Hidalgo County. Named-storm deductibles and the split between wind and flood coverage matter most.
Ice storms are rated very high in Hidalgo County; falling trees and limbs are a common claim, and debris removal limits vary.
Cold waves are rated very high in Hidalgo County; frozen pipes are the main home insurance concern.
The Hidalgo County storm record, 2016 to 2025
Over the ten years from 2016 to 2025, NOAA recorded 58 hail events across Hidalgo County. Quarter-size or larger stones, an inch and up, appear in 52 of them. The largest reported hail was 3 inches on May 8, 2025. Between 2016 and 2025, 3 tornadoes touched down in Hidalgo County.
NOAA also lists 78 thunderstorm wind events, the strongest estimated near 96 mph. Flash flooding was logged 22 times over the same decade.
Counting from 2000, 13 major disaster declarations for natural hazards have included Hidalgo County. The most recent include Severe Storms and Flooding (2025), Hurricane Beryl (2024) and Severe Winter Storms (2021).
Who covers wind in Scissors?
TWIA does not write in Hidalgo County; wind and hail claims go through your regular homeowners policy, which may carry its own wind/hail deductible.
Flood exposure and the NFIP in Scissors
Hidalgo County participates in the NFIP for its unincorporated areas, so federal flood policies can be bought here. Only about 1 in 27 homes in Hidalgo County carries an NFIP policy (9,038 residential policies). Since 2016, 2,496 NFIP flood claims have come from Hidalgo County. A homeowners policy will not pay for rising water; flood is a separate policy, and NFIP coverage typically takes 30 days to begin.
Search the FEMA Flood Map Service Center by street address to find your zone.
Scissors housing in brief
Half of the housing in Scissors dates from 1995 or earlier, per Census estimates. About 12% of homes went up before 1980, while 36% were built in 2000 or later. Census data shows a median home value of $82,400 in Scissors. The county-wide figure is higher, at $140,900. Sale prices and rebuild costs can diverge in either direction, which is why carriers run their own replacement-cost estimate for the dwelling limit.
Where Scissors homeowners can check the details
Hidalgo County is home to Scissors. The McAllen-Edinburg-Mission metro area counts Hidalgo County among its central counties. By straight-line distance, Scissors is about 9 miles east of Pharr.
The Hidalgo County appraisal district (www.hidalgoad.org) publishes the square footage, year built and improvements insurers use to estimate rebuild cost. The district office address is 4405 S. Professional Dr. Edinburg, TX 78539-6556. Severe weather warnings for Scissors come from the NWS Brownsville/Rio Grande Valley, TX office. The associated NEXRAD radar is KBRO.
Scissors hazard and coverage questions
Is hail a big risk for Scissors roofs?
Hidalgo County had 58 hail reports in NOAA’s records for 2016 to 2025, 52 of them with stones an inch or larger. FEMA’s National Risk Index rates the county’s hail risk very high. Roof age, roof material and the wind and hail deductible drive most of the price difference between quotes.
Does Texas law require home insurance in Scissors?
Texas does not mandate homeowners insurance, yet nearly every mortgage requires it. Owners without a loan still carry the full cost of a fire, hail or theft loss if uninsured.
How do wind and hail deductibles work in Scissors?
Pick the deductible you could pay the week after a storm. Percentage deductibles scale with the dwelling limit, so 1% on a $400,000 limit means $4,000 per claim, while flat deductibles stay fixed. Hidalgo County logged 52 reports of hail an inch or larger from 2016 through 2025, so run the numbers both ways.
Is windstorm insurance through TWIA an option in Scissors?
No. Hidalgo County is outside TWIA’s designated catastrophe area, so wind and hail are covered by the homeowners policy itself, usually with a separate wind and hail deductible.
Request a Scissors homeowners quote
Compare carriers with Texas Insurance Resources. Call 800-875-4711 or request a quote online.
Sources and methodology
Figures were retrieved in October 2026 and are estimates with margins of error. The two price cards are modeled estimates from Texas Insurance Resources, not quotes.
- Census ACS 2020–2024, Scissors CDP: tenure, median year built, year built, population, structure type, home value
- TWIA coverage area
- NOAA Storm Events Database, Hidalgo County
- National Risk Index (FEMA), Hidalgo County
- OpenFEMA NFIP data, Hidalgo County
- FEMA disaster declarations, Hidalgo County
- Comparison figures: Hidalgo County value, Hidalgo County build year
- NWS Brownsville/Rio Grande Valley, TX
- Census CBSA delineation
- Census Gazetteer files
- Comptroller CAD listing, Hidalgo County
- Comptroller economic regions