Along the US-83, SH-16 Rio Grande trade corridor (Zapata County; 13,736 residents; postal code 78076), cross-corridor freight, 138 enterprises (Retail Trade & Dealerships), and watershed storm runoff shape UM/UIM auto, commercial box-truck, flood, and $121,700 dwelling underwriting.
Starting at the $121,700 residential value (Zillow ZHVI (Sept 2026)), test how Texas percentage windstorm deductibles ($1,217 at 1% vs. $2,434 at 2%) interact with architectural shingle, metal, or tile roof schedules.
| Metric | Zapata Co. | TX Benchmark | Delta / Rating Signal |
|---|---|---|---|
| NOAA Hail (2016–2025) | 11 events (4.50" max, 2016) | 33 median | -22 vs. TX county median |
| Severe Wind & Tornadoes | 6 wind • 0 tornadoes | 30 wind med. | -24 wind events (21.2% rural area) |
| FEMA NFIP Penetration | 30 policies (9.6% SFHA) | 504,754 TX total | 546 of 5,682 homes in SFHA |
| Disaster Declarations (20-Yr) | 10 federal events | FEMA Title V | Latest: Severe Winter Storm (2021) |
| Typical Dwelling Value | $121,700 | $206,100 med. | 0.59× TX county median (-1.1% pop.) |
| Owner / Renter Split | 74.5% Own / 25.5% Rent | 62.4% / 37.6% | -12.1 pts renter share ($39,403 med. inc.) |
| Commute & Corridors | 73.7% solo (21.0% 30m+) | 38.9% 30m+ | Routes: US-83, SH-16, FM-496, FM-2687 |
| Traffic Fatality Index | 13.1 / 100k | 13.5 / 100k | 0.97× statewide crash mortality |
| Private Businesses (CBP) | 138 establishments | NAICS census | Retail Trade & Dealerships (35); Restaurants, Hotels & Food Service (20); Healthcare & Medical Practices (18) |
| Appraisal & Jurisdiction | Zapata County Appraisal District | South Texas | FIPS 48505 • 998.4 sq. mi. |
Cross-corridor traffic on US-83, SH-16 elevates uninsured collision risk. Pairing 100/300/100 liability with UM/UIM (§1952.101) and no-fault PIP (§1952.152) protects household medical and vehicle equity.
Supporting 35 Retail Trade & Dealerships enterprises and Restaurants, Hotels & Food Service operators along US-83, SH-16, we shop commercial auto filings, Inland Marine cargo/tools, and General Liability COIs.
Rio Grande watershed storms (10 federal disaster declarations; 30 active NFIP contracts) create flash runoff excluded by HO-3 policies. Compare dwelling and flood side by side.
Local merchants, service contractors, and clinics across Zapata County bundle property + liability inside a Business Owners Policy (BOP) and secure rapid Texas permit/surety bonds.
All incorporated places and residential ZCTAs across 998.4 sq. miles (78076, 78067, 78361, 78564, 78545):
| Place | ZIP | Population | Type |
|---|---|---|---|
| Medina | Shared ZCTA | 5,004 | CDP |
| Zapata | Shared ZCTA | 4,928 | County Seat |
| Siesta Shores | Shared ZCTA | 1,715 | CDP |
| Falcon Lake Estates | Shared ZCTA | 896 | CDP |
| San Ygnacio | 78067 | 582 | CDP |
| Falcon Mesa | Shared ZCTA | 90 | CDP |
| Las Palmas | Shared ZCTA | 47 | CDP |
| Lopeño | 78564 | 42 | CDP |
Yes—across Zapata County (11 decade hail events; 6 wind events), certified UL 2218 Class 4 impact shingles and metal roofs typically qualify for 10%–22% wind/hail credits, provided you review whether the carrier attaches a cosmetic hail-dent exclusion.
Never—HO-3, DP-3, and commercial property forms exclude surface water and rising floodwaters. OpenFEMA tracks 30 active residential flood policies and 546 SFHA structures (9.6%) locally across 10 disaster declarations; compare NFIP and private flood side by side.
Only if your vehicle carries Comprehensive (Other Than Collision) coverage. Collision-only or liability-only policies pay nothing for animal strikes, windshield hail cracks (4.50" peak county stone), theft, or flash-flood submergence.
Under Texas Labor Code §406.005, private employers may elect non-subscriber status, though general contractors and commercial leases across 138 local firms frequently require statutory Workers' Comp and Waiver of Subrogation before site access.
Our TDI-licensed producers quote 24 personal, property, flood, recreational, commercial fleet, contractor, and surety lines digitally across postal area 78076 and statewide. We do not write life insurance, pet insurance, or standalone coastal TWIA windstorm policies.
Digital intake for Zapata County • Bundle Personal, Property, Flood, or Commercial.
