Use Freedom Insurance Group to compare homeowners insurance quotes for Laredo, TX. We compare 25+ carriers and work with you to match coverage to the home and vehicles you really own.
Average homeowners insurance cost in Laredo, TX
| Home value tier | Market est. | FIG illustrated |
|---|---|---|
| Typical local home (~$193,500) | $1,335 | $841 |
| $300,000 dwelling | $1,633 | $1,029 |
| $600,000 dwelling | $2,298 | $1,448 |
| $1,000,000 dwelling | $2,990 | $1,884 |
The typical homeowners insurance premium in Laredo, TX is about $1,335 annually for a typical local home (typical local home value about $193,500). For a $300,000 dwelling, expect around $1,633 per year; for a $600,000 home about $2,298; and for a $1,000,000 dwelling about $2,990. Freedom Insurance Group rates are often about 37% lower — near $841 per year for a typical home, roughly $1,029 for a $300,000 home, about $1,448 for a $600,000 home, and around $1,884 for a $1,000,000 home.
| Dwelling Coverage Limits | Average Annual Premium (incl. Windstorm & Hail Coverage) |
|---|---|
| $100,000 – $200,000 | $1,270 |
| $200,000 – $300,000 | $1,419 |
| $300,000 – $400,000 | $1,742 |
| $400,000 – $500,000 | $1,972 |
| $500,000 – $600,000 | $2,195 |
| $600,000 – $700,000 | $2,370 |
| $700,000 – $800,000 | $2,515 |
| $800,000 – $900,000 | $2,705 |
| $900,000 – $1,000,000 | $2,895 |
Band premiums are midpoints on the Laredo dwelling curve (typical local home value about $193,500). Illustrated estimates, not a quote.
Figures are 2026 market-style estimates for Laredo, TX, using a typical local home value of about $193,500. Freedom figures apply an approximate 37% savings vs the local typical premium for illustration. Your quote depends on dwelling limit, roof, deductible, claims, and carrier. Not a guarantee.
What makes Laredo, TX unique
Roughly 256,153 people live in Laredo, located in Webb County.
Laredo lies within the Webb County area, where routine insurance shopping is shaped more by home characteristics and carrier appetite than by any single landmark.
The housing stock is a mix of single-family homes typical of the Webb County area, and replacement cost, roof age, and construction type still explain most premium differences block by block.
North Texas homes are often rated for severe thunderstorms, hail, and tornado risk common across the Plains.
Why Laredo home insurance premiums differ
Multiple interlocking factors shape a Laredo home premium, and carriers look at all of them when they build a quote. Count on rebuild cost, the roof’s age and type, and storm and wildfire exposure to drive most of the price. Deductible choice and claims history can swing the final premium as much as the carrier brand.
Define replacement cost as the cost to rebuild your home in like-kind materials at today’s labor and material prices. Because the carrier’s maximum payout rises with the rebuild estimate, larger figures for Laredo homes generally raise premiums.
Frame or masonry walls, the roofing material, and general construction quality all influence how the property fares in Texas’s wind, hail, and fire events, so construction type and roof details matter too.
Location risk rolls up storm, hail, wildfire, and crime scores that can change by ZIP code and neighborhood within Laredo, so two homes with similar rebuild costs may still price differently.
A solid fire protection profile based on close hydrants, a nearby station, and a good protection class can make a quote more competitive.
A recent claim on the house or by anyone in the household may lift the price whether a Laredo policy is renewing or new, since claims history remains a major rating input.
Credit-based insurance score, where state law permits, is another lever; higher scores typically bring lower prices when the carrier relies on it.
Homeowners discounts in Laredo, TX
| Discount | What it means | Typical amount |
|---|---|---|
| New Home | New construction recently purchased | up to 40% |
| Age of home (5 yrs) | Newer homes | up to 26% |
| Bundle | Home and auto together | up to 25% |
| Upgrades | Electrical, plumbing, heating, roof updates | up to 20% |
| Hail-resistant roof | Class 1–4 impact roof | up to 12% |
| Claims-free | Multi-year claims-free history | up to 5% |
| Security / alarms | Monitored fire or burglar alarm | up to 4% |
| Paid in full | Pay annual premium upfront | up to 7% |
Discount availability and amounts differ from carrier to carrier. Read “up to” as the ceiling, not a promise.
Home insurance coverage basics
- Dwelling (A): Following a covered loss, this coverage rebuilds your home’s structure; make sure it tracks today’s local rebuild costs.
- Other structures (Coverage B): Sheds, fences, detached garages, and the like not attached to the home are protected by this part.
- Personal property (C): Furniture, clothing, and the other things you own in the home are protected, but certain valuable items have lower limits.
- Coverage D, loss of use: If a covered claim forces you out during repairs, this helps pay added costs like a rental or hotel.
- Personal liability (Coverage E): It responds when you are legally responsible for injuring someone or damaging their property resulting from a covered incident.
- Medical payments (Coverage F): If a visitor is injured at your home, this covers medical costs, usually without a liability claim being filed.
Home-and-auto bundles in Laredo, TX
The amounts shown are illustrated averages for bundling, not a promise. Actual savings come down to the carrier and the drivers.
| Place | 1-car bundle | 2-car bundle | 3-car bundle |
|---|---|---|---|
| Laredo, Texas | $258 | $436 | $636 |
Neighborhoods around Laredo
- La Guadalupe
- El Trompe
- Siete Viejo
- Downtown
- El Trece
- El Azteca
- Siete Nuevo
- Las Lomas
- Western Division
- LA X
- Los Amores
- Central Business District
- Las Crueces
- El Cuatro
- Las Polkas
- Heights
- Sal Si Puedes
- Sal Si Peudes
- La Ladrillera
- El Rincon del Diablo
Laredo homes by the numbers
The National Risk Index from FEMA shows elevated ratings for hail (“Relatively Moderate”), tornado (“Relatively Moderate”), winter-weather (“Relatively Moderate”), and strong-wind (“Relatively Moderate”) in Webb County.
For heat, Laredo households mostly rely on electricity (85%) and utility gas (13%).
Named places the USGS records in and around Laredo include Del Mar, Nye, Fort McIntosh, Orvil, Larga Vista, and Larga Vista Colonia. Rates can still differ from one section to the next because of construction era and roof condition.
NOAA storm records show 20 hail reports within about 9 miles of Laredo from 2016 through 2025; 20 were one inch or bigger. The largest was 1.75 inches in March 2016.
ACS 2020–2024 estimates put about 84,111 housing units in Laredo, and owners occupy roughly 64% of the occupied homes. By structure type, 67% are detached single-family houses, 22% are in buildings with two or more units, and 7.6% are mobile homes.
The median home in Laredo was built in 1997. Ages are mixed: 24% predate 1980 and 20% were built in 2010 or later.
Since 2000, Webb County has been part of 8 major disaster declarations; the latest is Hurricane Beryl (July 2024).
Laredo’s recorded beginnings date to 1755. Census counts put Laredo at 176,576 residents in 2000 and 236,091 in 2010, and the Census Bureau’s July 2024 estimate is 261,260. Growth since 2000 comes to roughly 48%.
Going further back, SPC data show 52 hail reports within 5 miles of Laredo between 1955 and 2015, the largest 2.5 inches on April 12, 1969. 4 of those reports were 2 inches or larger.
ZIP codes we cover near Laredo
78040 · 78041 · 78042 · 78046 · 78044 · 78045 · 78043
Keep exploring Texas coverage guides
Compare home insurance quotes for Laredo, TX
Freedom Insurance Group compares 25+ carriers for Laredo residents. Reach us at (800) 253-1482 or start a free home quote online.
