Taxes & Insurance in Laredo
Texas's no-state-income-tax structure applies fully in Laredo, with Webb County's property tax and local homeowners insurance carrying the local funding and risk-protection load, respectively. Sources disagree on the exact effective tax rate and insurance premium, disclosed here rather than resolved to one number.
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Learn moreA lower nominal county rate, but a higher effective combined rate
Webb County commissioners approved a 2025-26 county-only nominal rate of $0.3825 per $100 of assessed value, down a quarter-cent from the prior year -- but Ownwell's separately-cited effective combined rate (blending county, city, school district, and special-district levies against actual assessed value) is 1.54%, above the 1.02% national median. These are two different measurements, not a contradiction -- both are disclosed rather than one being silently substituted for the other (base record). Rising property valuations mean many homeowners' actual bills rose even as the nominal county rate fell, per Laredo Morning Times reporting.
Homeowners insurance: a real, disclosed spread across sources
Multiple insurance-comparison aggregators disagree meaningfully on Laredo's average annual homeowners premium -- cited figures ranged from about $1,597/year to $2,908/year depending on coverage level and zip code, with a $200K-dwelling-coverage average of $1,476/year rising to $2,701/year at $400K coverage (TheZebra/TexasInsuranceRatings/insureHunt aggregation, retrieved 2026-08-22). The $2,106/year figure used in the base record is a rounded midpoint of this range, not one authoritative number -- get an address-specific quote before budgeting.
Lower direct hurricane/windstorm exposure than coastal Texas markets
Laredo sits well inland and is not one of the 14 TWIA-eligible coastal counties that carry a separate windstorm insurance requirement (unlike Corpus Christi elsewhere in this dataset) -- a real, structural insurance-cost advantage over Gulf Coast Texas markets, even as flash-flood risk from tropical-system remnants remains real (see the climate topic).
Key takeaways
- Webb County's 2025-26 county-only nominal property tax rate is $0.3825 per $100 (down from $0.3850), but the effective combined rate across all overlapping levies is cited at 1.54% -- above the 1.02% national median.
- Homeowners insurance averages disagree by nearly $1,300/year across sources ($1,597-$2,908/year) depending on coverage level and zip code -- confirm with an address-specific quote.
- Laredo is not a TWIA-eligible coastal county, giving it a real windstorm-insurance-cost advantage over Gulf Coast Texas markets.
- Texas's no-state-income-tax structure applies fully -- property tax and insurance carry a proportionally larger share of the local cost burden as everywhere else in the state.
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