E&e Insurance Agency
2575 E Griffin Pkwy, Ste 9, Mission, TX 78572
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2575 E Griffin Pkwy, Ste 9, Mission, TX 78572
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1826 E Griffin Pkwy, Mission, TX 78572
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710 E 9th St, Mission, TX 78572
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1222 N Conway Ave, Suite B, Mission, TX 78572
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215 W Main Ave, Mission, TX 78573
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3805 Plantation Grove Blvd, #19, Mission, TX 78572
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2025 N Conway Ave, Mission, TX 78572
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2015 N Shary Rd, Suite 1, Mission, TX 78572
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Learn about insurance coverage options specific to Mission residents.
Mission, TX homeowners face rising rates and flood risks. Learn what coverage you need in the Rio Grande Valley, average costs, and why flood insurance matters.
General Insurance EducationComplete insurance guide for Mission, Texas residents. Learn about auto, home, and life insurance needs specific to the Rio Grande Valley and border community.
Car InsuranceMission, Texas drivers face unique auto insurance challenges. Learn about Texas 30/60/25 minimums, why Hidalgo County rates are high, and coverage you need.
Yes, you should seriously consider flood insurance even if your lender doesn't require it. The Rio Grande Valley has experienced multiple devastating flood events, including March 2025 when over 20 inches of rain fell in hours, damaging 4,000+ homes. Standard homeowners insurance excludes flood damage, and flood insurance costs around $700 annually through NFIP—a small price compared to potential flood damage on a $270,000 home.
Texas homeowners currently pay an average of $4,585 annually for home insurance, with some estimates reaching $6,522 for 2025. In Mission, expect to pay around $4,140 for $300,000 in dwelling coverage, though your specific rate depends on your home's age, construction, and location. Add another $700 or so for flood insurance if you choose to protect against the Valley's most common weather risk.
Partially. Standard homeowners insurance typically covers wind damage from hurricanes, but excludes flooding—which is actually the most common hurricane-related damage in the Rio Grande Valley. You'll need separate flood insurance for comprehensive protection. Also check your policy for hurricane or windstorm deductibles, which are often higher (2-5% of your home's value) than standard deductibles.
Not once a named storm enters the Gulf of Mexico—insurance companies, including TWIA and NFIP, stop selling new policies or making changes to existing ones. Additionally, flood insurance takes 30 days to go into effect even when you can purchase it. You must buy flood coverage well before hurricane season starts, ideally during the off-season when you have time to shop and compare options.
The Texas Windstorm Insurance Association (TWIA) is a state-run insurer that provides windstorm and hail coverage to homeowners who can't get it through standard carriers due to coastal storm risks. While Hidalgo County isn't in TWIA's primary coastal tier, some Mission homeowners may need TWIA coverage if they're denied wind coverage by regular insurers due to the area's hurricane exposure.
Texas home insurance rates jumped 21% in 2023 and another 19% in 2024 due to several factors: increasingly severe storms from climate change, Hurricane Beryl's $2.5-4.5 billion in insured losses in 2024, Texas's growing population placing more homes at risk, and several major insurers exiting the Texas market entirely. These combined pressures have made Texas the fifth-most expensive state for home insurance.
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