Along the US-83, SH-16 Rio Grande trade corridor (county-wide (South Texas Region); 4,928 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 $125,300 dwelling underwriting.
Starting at the $125,300 residential value (Zillow City ZHVI (Sept 2026)), test how Texas percentage windstorm deductibles ($1,253 at 1% vs. $2,506 at 2%) interact with architectural shingle, metal, or tile roof schedules.
| Metric | FIPS 48505 territory | 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 | $125,300 | $206,100 med. | 0.61× 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 | Local 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 county-wide (South Texas Region) bundle property + liability inside a Business Owners Policy (BOP) and secure rapid Texas permit/surety bonds.
Spanning 998.4 sq. miles across county-wide (South Texas Region), nearby communities share regional storm and court-venue rating factors:
| Place | ZIP | Population | Type |
|---|---|---|---|
| Zapata | 78076 | 4,928 | County Seat |
| Medina | Shared ZCTA | 5,004 | CDP |
| Siesta Shores | Shared ZCTA | 1,715 | CDP |
| Falcon Lake Estates | Shared ZCTA | 896 | CDP |
| San Ygnacio | 78067 | 582 | CDP |
Following 11 NOAA hail reports (peaking at 4.50" in 2016) and 6 high-wind gusts across county-wide (South Texas Region), many carriers depreciate roofs older than 12–15 years onto Actual Cash Value (ACV) schedules. Comparing full Replacement Cost (RCV) carriers alongside $1,253 (1%) vs. $2,506 (2%) deductibles prevents surprise claim gaps.
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.
Texas Transportation Code Ch. 601 sets 30/60/25 statutory minimums, but county-wide (South Texas Region) posts a 13.1 per-100k roadway fatality rate and 21.0% 30+ minute commutes. Selecting 100/300/100 with PIP (§1952.152) and UM/UIM (§1952.101) prevents personal wage or asset exposure.
Supporting 138 county establishments (35 in Retail Trade & Dealerships), carriers generate ACORD 25 Certificates of Insurance, Additional Insured, and Waiver of Subrogation endorsements rapidly upon written policy binding and down-payment.
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 • Bundle Personal, Property, Flood, or Commercial.
