Laredo, TX
Laredo, TX landlord and rental property insurance
Coverage for rental homes and 2–4 unit buildings in Laredo, with local Census housing data. A quote is not a binder.
Laredo is home to roughly 261,260 people in Webb County, and about 36% of its 78,082 occupied homes are rented rather than owner-occupied, close to the Texas rate of 37%. That mix shapes who is buying landlord coverage here and what underwriters expect to see.
Laredo rental housing by the numbers
| Measure | Laredo | Texas |
|---|---|---|
| Renter-occupied homes | 36% (28,062) | 37% |
| Median owner-occupied home value | $193,500 | $283,800 |
| Median gross rent | $1,030/mo | $1,403/mo |
| Median year structure built | 1997 | 1992 |
| Homes in 2–4 unit buildings | 7% | 5% |
| Single-family homes (detached or attached) | 70% | 67% |
Figures from the U.S. Census Bureau (ACS 2020–2024 five-year estimates; 2024 population estimates).
Insured value and premium context in Laredo
At a median home value of $193,500, Laredo is lower than Texas overall ($283,800). Underwriters care about replacement cost rather than sale price, so bring square footage, construction type, and update history to the conversation.
For context, the NAIC reported that Texas dwelling-fire policies insuring $150,000 to $199,999 averaged $1,438 a year in 2023, against a statewide dwelling-fire average of $1,226. Those are owner-occupied dwelling-form figures, not landlord quotes.
How much rent to protect in Laredo
The Census median gross rent for Laredo, $1,030 per month, is a reasonable starting point for fair rental value. At that rate, 12 months is about $12,360 per unit.
Building age and underwriting in Laredo
Laredo's median home dates to about 1997. Systems are often on their first or second replacement, so roof age and water heater age carry a lot of weight in pricing.
Laredo's mix of rental buildings
Laredo is mostly single-family, around 70% of units, with 2–4 unit buildings at 7%. Single-family rentals here typically go on a dwelling fire policy.
Laredo next to other Texas rental cities
For comparison, Houston comes in at 58% rented and $277,800 median value, with median rent of $1,361. Nearby San Antonio reports 48% renter households and a $235,700 median home value, so proportionally more renters than Laredo. Nearby Dallas reports 58% renter households and a $320,700 median home value, so proportionally more renters than Laredo. Among the 30 largest Texas cities we profile, Laredo ranks 27 for renter share. Manufactured and mobile homes make up about 8% of Laredo's housing, and many dwelling programs underwrite those separately. Roughly 15% of homes in Laredo are in buildings of five or more units, the point where most owners move to commercial apartment policies.
Laredo weather exposures that affect landlord claims
Texas landlords generally plan around wind and hurricane exposure near the Gulf coast, winter freeze events that burst pipes, and flash and coastal flooding, which needs separate flood coverage. Those exposures apply in Laredo as much as anywhere in the state, so confirm deductibles and exclusions before you bind.
Hazard themes reflect FEMA’s National Risk Index and NOAA’s Storm Events Database; check the index for your specific county.
What to have ready for a Laredo quote
- Your existing policy and recent claims
- Mortgage company details, if financed
- Desired liability limit and loss-of-rents amount
- Property location in Laredo and unit count
- Construction year plus the age of the roof
- Lease type and whether the unit is ever empty
- Electrical, plumbing, and heating update years
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Laredo landlord insurance questions
What share of Laredo homes are rentals?
About 36% of occupied homes in Laredo, roughly 28,062 households, are renter-occupied according to the 2020–2024 American Community Survey.
Do Laredo landlords have to carry insurance?
No Texas law mandates it for Laredo owners, though lenders, HOAs, and property managers commonly require it.
How much does landlord insurance cost in Laredo?
It depends on the building, coverage, and deductible. For background, the NAIC reported a 2023 Texas dwelling-fire average of $1,226; see our Texas page for the full table.
More landlord pages near Laredo
Landlord insurance in Texas · Cost by state
Last updated October 15, 2026. Sources and method: how we research.