Homeowners Insurance in Laredo, TX

For a home at Laredo's median value of $193,500, we estimate about $1,900 a year — −34% versus the Texas NAIC average of $2,864.

These are estimates, not quotes. Home figures are modeled from NAIC state averages, Census home values and FEMA hazard ratings for comparison only. We are not an insurance company or agency. How we estimate

Estimated homeowners insurance cost in Laredo

Est. premium

$1,900

$158/mo · median home

Median home value

$193,500

Texas: $283,800

Median year built

1997

Census ACS

Owner-occupied

64.1%

of households

Hazard score

71.2

state ref. 87.6

Laredo's estimate reflects its home values (32% lower than the state median) and FEMA's hazard profile for Webb County.

Natural hazard risk in Laredo

FEMA National Risk Index — Webb County
Hazard	Risk rating	Score (0–100)	Insurance impact
Hail	Relatively Moderate	89.6	Comprehensive (car); roof claims (home)
Tornado	Relatively Moderate	76.9	Comprehensive; dwelling
Hurricane	Relatively Moderate	85.7	Comprehensive; wind/hurricane deductibles (home)
Inland (river) flooding	Relatively Moderate	91.0	Comprehensive; home needs a separate flood policy
Coastal flooding	Not rated	—	Comprehensive; home needs a separate flood policy
Strong wind	Relatively Moderate	55.5	Comprehensive; dwelling
Winter weather	Relatively Moderate	77.9	Collision (icy roads); frozen pipes (home)
Wildfire	Relatively Low	63.8	Comprehensive; dwelling
Earthquake	Very Low	44.2	Home needs a separate earthquake policy
Lightning	Relatively Low	55.8	Fire and electrical damage

Scores are national percentiles of FEMA's county risk (higher means more expected loss than most other U.S. counties).

Estimated premium by home value in Laredo

Dwelling value	Wood frame	Brick / masonry
$200,000	$1,950	$1,795
$300,000	$2,700	$2,480
$500,000	$4,060	$3,735
$750,000	$5,615	$5,165

Home Insurance Estimator

Estimated annual premium

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Per month

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Homeowners insurance by ZIP code in Laredo

ZIP	Median home value	Owner-occupied	Est. premium
78046	$150,600	79.4%	$1,555
78045	$243,900	78.9%	$2,285
78041	$221,300	53.7%	$2,115
78043	$170,600	56.5%	$1,720
78040	$118,700	37.8%	$1,285

Homeowners insurance in Texas · Car insurance in Laredo · Insurance offices near Laredo

Frequently asked questions

How much is homeowners insurance in Laredo?

For a home at Laredo's median value of $193,500, we estimate about $1,900 a year for a standard HO-3 policy with a $1,000 deductible. The Texas NAIC average is $2,864.

What are the biggest natural hazards in Laredo?

FEMA's National Risk Index does not rate Webb County as relatively high for any single hazard.

Does the age of homes in Laredo affect insurance?

Yes. The median home in Laredo was built in 1997 (Census ACS). Older roofs, wiring and plumbing can raise premiums or require inspections, while updates often earn discounts.

How we estimate this

We start from the NAIC average homeowners (HO-3) premium for Texas, scale it by the ratio of the dwelling value to the state median home value, adjust for construction type and deductible, and apply a hazard factor from FEMA National Risk Index scores for Webb County relative to the state. Results are rounded estimates, not quotes. Read the full methodology.

Sources used on this page