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Home Insurance in Westway, TX
See where Westway stands against county and statewide figures before you compare home insurance quotes.
$4,124/yr
About $344/mo · ~$300k-$400k dwelling class
$2,499/yr
About $208/mo after modeled shopping discount
About 39.4% below local market estimate
How Westway homes compare
| Measure | Westway | El Paso County | Texas |
|---|---|---|---|
| Median home value | $106,000 | $180,400 | $283,800 |
| Median year built | 1990 | 1988 | 1992 |
| Owner-occupied homes | 83% | 64% | 63% |
| Single-family detached | 72% | 68% | 64% |
| Built before 1980 | 18% | 39% | 33% |
| Built 2000 or later | 13% | 34% | 39% |
| Manufactured homes | 22% | 5% | 6% |
Home ages in Westway are close to the El Paso County pattern (median year built 1990 versus 1988). 83% of occupied homes are owner-occupied in Westway, above the El Paso County share of 64%. Manufactured homes are more common in Westway (22% of units) than across El Paso County (5%).
Median home value: $106,000, according to the latest five-year Census survey. Across El Paso County the median is $180,400. Sale prices and rebuild costs can diverge in either direction, which is why carriers run their own replacement-cost estimate for the dwelling limit.
El Paso County hazards and storm counts
| Hazard | FEMA NRI rating | NOAA reports, 2016–2025 |
|---|---|---|
| Hail | Very High | 37 hail reports |
| Tornadoes | Relatively Low | 1 tornadoes |
| Strong wind | Relatively High | 30 thunderstorm wind reports |
| Inland flooding | Relatively High | 45 flash floods |
| Hurricanes | Very Low | – |
| Wildfire | Relatively Low | – |
| Winter weather | Very High | – |
| Drought | Relatively High | – |
| Lightning | Very High | – |
The National Risk Index from FEMA scores El Paso County as relatively high for combined natural-hazard risk. Its leading hazards, by rating, are hail (very high), winter weather (very high) and lightning (very high).
FEMA has issued 4 natural-hazard major disaster declarations covering El Paso County since 2000. Among the most recent are Severe Winter Storms (2021), Severe Storms and Flooding (2006) and Extreme Wildfire Threat (2006).
Coverage takeaways for Westway
- There is no TWIA option in El Paso County, so the homeowners carrier handles wind and hail, and its deductible for those perils can differ from the all-other-perils deductible.
- El Paso County participates in the NFIP for its unincorporated areas, so federal flood policies can be bought here. In El Paso County, roughly 1 home in 91 has federal flood coverage (2,695 residential policies in force). NFIP records show 104 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 Westway at 1990. 13% of local homes are from 2000 or later, compared with 18% built before 1980. For homes in this age range, carriers mostly focus on the roof: its age, material and any prior hail repairs.
Where to verify Westway details
Your property record, including square footage and year built, is on the El Paso appraisal district site at www.epcad.org (phone 915-780-2131). The district office address is 5801 Trowbridge Dr. El Paso, TX 79925-3345. Watches and warnings for Westway are issued by NWS El Paso, TX. Radar coverage comes from the KEPZ site.
For county-level data, Westway falls under El Paso County. In the federal metro delineation, El Paso County anchors the El Paso metro. By straight-line distance, Westway is about 12 miles northwest of El Paso.
Westway coverage questions
How risky is El Paso County for natural hazards?
Overall, FEMA scores El Paso County as relatively high. Its standout hazards are hail (very high), winter weather (very high) and lightning (very high). Use that list to decide where higher limits or a lower deductible are worth the premium.
Is the median home value in Westway the right dwelling limit?
Usually not. The median owner-estimated value in Westway is $106,000, yet that number includes land and location. Carriers estimate replacement cost from size, construction and finishes, and that is what the dwelling limit should follow.
How many major disasters has El Paso County seen?
Since 2000, FEMA has declared 4 natural-hazard major disasters that include El Paso County. The most recent was Severe Winter Storms, declared in February 2021. Federal aid for homeowners is limited and often comes as SBA disaster loans, so insurance remains the main way to recover.
Is windstorm insurance through TWIA an option in Westway?
No, El Paso County is not in TWIA territory. Look instead at the wind and hail deductible on your homeowners quotes, since that is where storm costs land.
Get a Westway home insurance quote
One call to 800-875-4711 or a short online form gets several carriers working on your quote.
Where the Westway numbers come from
Figures were retrieved in October 2026 and are estimates with margins of error. Premium figures in the estimate cards are illustrative models, not quotes.
- Storm Events Database (NOAA), El Paso County
- Census Bureau ACS five-year data, Westway CDP: year built, home value, population, median year built, structure type, tenure
- County and state comparisons: El Paso County value, El Paso County build year, Texas value
- Texas Comptroller regions
- FEMA declared disasters, El Paso County
- Census CBSA delineation
- Gazetteer (Census)
- FEMA National Risk Index, El Paso County
- TWIA coverage area
- OpenFEMA NFIP data, El Paso County
- NWS El Paso, TX
- Texas property tax directory, El Paso County