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Home Insurance in Uvalde, TX
What Uvalde houses look like on paper, including age, type and value, and how each detail feeds into a homeowners quote.
Uvalde homes at a glance
About 74% of homes in Uvalde are detached single-family houses; owners occupy 67% of the occupied units.
How age and construction affect a Uvalde quote
Half of the housing in Uvalde dates from 1978 or earlier, per Census estimates. Roughly 54% of the housing stock predates 1980 and 22% 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.
$3,143/yr
About $262/mo · ~$300k-$400k dwelling class
$1,999/yr
About $167/mo after modeled shopping discount
About 36.4% below local market estimate
How much coverage a Uvalde home needs
Census data shows a median home value of $136,800 in Uvalde. That is close to the Uvalde County median of $150,800. Keep in mind that Coverage A should follow rebuilding cost, not sale price, since the lot itself does not burn or blow away.
The six parts of a Uvalde homeowners policy
Pays to rebuild the house itself. Set it from a replacement-cost estimate, not the sale price or tax value.
Fences and outbuildings. The default limit is often a percentage of Coverage A, which can be too low on larger lots.
Contents coverage, with special lower limits for jewelry, firearms and collectibles unless scheduled.
Loss of use. After a large storm, contractor backlogs can stretch repairs, so this limit matters.
Covers lawsuits for injuries or property damage you are responsible for; many owners choose at least $300,000.
No-fault medical payments for visitors, usually a few thousand dollars.
Storm and flood context for Uvalde
In FEMA’s National Risk Index, Uvalde County carries an overall rating of relatively low. Hazard by hazard, the strongest scores are for inland flooding (relatively moderate), lightning (relatively moderate) and heat waves (relatively moderate). From 2016 to 2025, 44 hail events were recorded in Uvalde County in NOAA’s Storm Events Database. Quarter-size or larger stones, an inch and up, appear in 39 of them. The largest reported hail was 2.75 inches on April 28, 2021.
Uvalde 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. Search the FEMA Flood Map Service Center by street address to find your zone.
Records to check before you quote
Before you request quotes, pull your record from the Uvalde appraisal district at www.uvaldecad.org; the Texas Comptroller’s Uvalde County directory lists its contact details. You can also visit the office at 209 N. High St. Uvalde, TX 78801-5207.
Uvalde County is home to Uvalde. The Uvalde micropolitan area includes Uvalde County. San Antonio is the closest larger city, roughly 77 miles away, with Uvalde to its west.
FAQ: Uvalde home insurance
Does the age of Uvalde housing affect insurance?
Half the homes were built by 1978, and roughly 54% are pre-1980, according to the Census Bureau. Expect carriers to ask about roof age and any past hail repairs.
When is the best time to compare home insurance in Uvalde?
Compare quotes a few weeks before renewal, and any time you replace the roof or add a structure.
How much dwelling coverage do Uvalde homes need?
Enough to rebuild, which is not the same as market value. Census data puts the Uvalde median at $136,800, but your dwelling limit should equal what it would cost to rebuild the house at today’s labor and material prices.
Where can I find my property details before getting a quote in Uvalde?
Search your address on the Uvalde appraisal district site, www.uvaldecad.org. Insurers use similar data, so correct any errors in square footage or year built before quoting.
Get an Uvalde home insurance quote
One call to 800-875-4711 or a short online form gets several carriers working on your quote.
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.
- Benchmarks: Uvalde County value, Uvalde County build year
- Texas Windstorm Insurance Association
- Census metro delineation
- Census Gazetteer coordinates
- FEMA National Risk Index, Uvalde County
- Comptroller economic regions
- NOAA NCEI storm reports, Uvalde County
- American Community Survey 2020–2024, Uvalde city: structure type, population, tenure, year built, home value, median year built
- Comptroller county directory, Uvalde County