Freedom Insurance Group serves Raymondville, TX by providing side-by-side homeowners quotes from 25+ companies.
Getting to know Raymondville, TX
Raymondville counts roughly 11,139 residents in Willacy County.
Raymondville sits in the Willacy County area, and there routine insurance shopping is driven more by home characteristics and carrier appetite than by any single landmark.
Housing here is a mix of single-family homes typical of the Willacy County area, and replacement cost, roof age, and construction type still account for most premium differences from one house to the next.
North Texas homes are often rated for severe thunderstorms, hail, and tornado risk common across the Plains.
Homeowners pricing in Raymondville, TX
The typical homeowners insurance premium in Raymondville, TX is about $1,548 annually for a typical local home (typical local home value about $280,000). 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 39% lower — near $944 per year for a typical home, roughly $996 for a $300,000 home, about $1,402 for a $600,000 home, and around $1,824 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 Raymondville dwelling curve (typical local home value about $280,000). Illustrated estimates, not a quote.
Figures are 2026 market-style estimates for Raymondville, TX, using a typical local home value of about $280,000. Freedom figures apply an approximate 39% savings vs the local typical premium for illustration. Your quote depends on dwelling limit, roof, deductible, claims, and carrier. Not a guarantee.
How a homeowners policy is built
- Dwelling (Coverage A): This is the limit that pays to rebuild the house itself after a covered loss, and it should match current reconstruction costs in your area.
- Coverage B, other structures: This part protects detached features such as a garage, shed, fence, or similar buildings that are not attached to the main house.
- Personal property (C): Protects what is inside the house: furniture, clothing, and everyday items. Pricier categories often carry sublimits.
- Loss of use (D): This helps with additional living expenses when a covered claim makes the home temporarily unlivable during repairs.
- Personal liability (E): Should you be held legally responsible for someone else’s injury or property damage in a covered incident, this part responds.
- Medical payments (Coverage F): Visitors’ medical expenses after an injury on your property, usually handled without any formal claim.
Homeowners discounts in Raymondville, 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 vary by carrier. “Up to” shows the maximum, not a guarantee.
How Raymondville home insurance quotes differ
Insurers put together a Raymondville policy quote from several connected factors that work together. Rebuild cost, roof age and material, and local storm or wildfire exposure tend to move the number most, while deductible choice and claims history can change the final premium as much as the carrier brand itself.
Rebuilding the home in comparable materials at today’s labor and supply prices is what replacement cost means. Bigger rebuild figures for Raymondville properties tend to raise premiums since the carrier’s maximum payout increases with that figure.
Construction type and roof details matter as well: insurers ask frame versus masonry construction, the roof covering, and how solidly the home is built, because those details shape how it handles wind, hail, and fire events common across Texas.
Scores for storms, hail, wildfire, and crime make up location risk, and they can shift from one Raymondville ZIP code or neighborhood to the next, meaning houses with comparable rebuild costs can still get different prices.
Carriers grade fire protection by the local protection class plus hydrant and station distance; good protection tends to mean lower pricing.
Carriers check claims history closely; a recent loss on the property or household tend to push rates up for Raymondville renewals and new policies.
Credit-based insurance score, where permitted by state rules, is one more factor; stronger scores usually correlate with lower prices when the carrier uses that factor.
Bundling home and auto in Raymondville, TX
The figures below illustrate average bundle savings, not a guaranteed quote. Actual savings depend on the carrier and the drivers.
| Place | 1-car bundle | 2-car bundle | 3-car bundle |
|---|---|---|---|
| Raymondville, Texas | $258 | $436 | $636 |
Raymondville homes by the numbers
Half of Raymondville’s homes were built in or before 1981. Roughly 49% of homes were built before 1980, so electrical, plumbing, and roof upgrades are worth documenting for a quote.
From 2000 on, Willacy County has appeared in 10 major disaster declarations; the latest was Severe Storms and Flooding (May 2025).
On tornadoes, NOAA logged 2 tornadoes starting within 10 miles of Raymondville between 2016 and 2025, with the strongest at EF0 during July 2018.
Census survey estimates (ACS 2020–2024) show about 3,191 housing units in Raymondville, and homeowners occupy roughly 70% of the occupied homes. Looking at building types, 72% are detached single-family houses and 19% are mobile homes.
Home heating in Raymondville runs mainly on electricity (76%) and utility gas (21%).
The National Risk Index from FEMA shows elevated ratings for hurricane (“Relatively Moderate”) in Willacy County.
Named places the USGS records in and around Raymondville include Colonia los Angeles and Los Angeles. Older and newer sections can quote differently based on build era, roof, and fire protection.
NOAA’s Storm Events Database lists 3 hail reports within about 5 miles of Raymondville from 2016 through 2025 (0 at one inch or more). The largest was 0.88 inches in April 2021 near Raymondville.
Raymondville’s recorded beginnings date to 1904. The town is named for Edward Burleson Raymond. The Census Bureau counted 9,733 people in Raymondville at the 2000 Census and 11,284 at the 2010 Census; its July 2024 estimate is 10,107. Numbers have held fairly steady since 2000.
Earlier hail records help too: the Storm Prediction Center lists 17 hail reports within 5 miles of Raymondville between 1955 and 2015, topped by hail of 2 inches on May 24, 1970. Reports of 2-inch or bigger hail number 1 in that span. Federal tornado records from NOAA’s Storm Prediction Center list 15 tornadoes that began within 10 miles of Raymondville from 1950 through 2015; the strongest was an F2 on June 1, 1962.
Comparing homes in nearby towns? See our home insurance pages for Monte Alto (14 mi), Harlingen (20 mi), and Rio Hondo (21 mi).
ZIP codes we cover near Raymondville
78580
