Flood Insurance Agencies in Harlingen, TX

Harlingen at a glance

• 3flood insurance agencies listed
• 43.9%of households rentRenters insurance
• $140,600median home valueHome insurance
• 1988median year homes were builtRebuild cost calculator
• 6.4%of households have no carAuto insurance
• 9.3%of homes are mobile homesMobile home insurance

Population and housing figures: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates. Agency count: our listings.

Natural hazard risk in Cameron County

FEMA rates the overall natural hazard risk in Cameron County, where most Harlingen agencies we list are located, as Relatively High compared with other U.S. counties. The hazards it rates highest:

• Inland floodingRelatively Moderate

  Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.

  Flood insurance in Harlingen
• Coastal floodingRelatively Moderate

  Storm surge and tidal flooding count as flood, which most home policies exclude. It needs a separate flood policy.

  Flood insurance in Harlingen
• HurricaneVery High

  Home policies that cover wind often carry a separate hurricane deductible, set as a percentage of the home’s insured value (typically 1% to 5%). Flooding from the storm needs a flood policy.

  Home insurance in Harlingen
• HailRelatively High

  Hail is usually a covered cause of loss on home policies and under comprehensive cover on a car, but some insurers exclude wind and hail or apply a separate deductible. Ask the agent which applies.

  Home insurance in Harlingen
• Ice stormRelatively High

Source: FEMA National Risk Index, December 2025 release. Ratings compare each county with all other U.S. counties.

Where Harlingen agencies are

Harlingen agencies we list sit in 2 ZIP codes, mostly in Cameron County.

• 785522 agencies
• 785501 agency