Insurance in the Upper Rio Grande Region
Stover & Crouch helps families, business owners, farmers and ranchers across the Upper Rio Grande Region, including El Paso, Alpine and Marfa. We offer a full range of home, auto, business, farm and ranch insurance options. Work with our Texas-based independent agency by phone, email or online.
What do you need to insure?
Explore personal, business, farm and ranch insurance throughout Texas. Start with the coverage you need.
Risks in the Upper Rio Grande
El Paso gets under nine inches of rain in a normal year, and most of the risk comes in the dry months and the monsoon. Choose a risk for what the record shows and the question to ask.
Facts of record from the National Weather Service and the Texas A&M Forest Service; the questions follow Texas Department of Insurance guidance.
In the summer monsoon a storm over the mountains can send a wall of water down an arroyo that was dry an hour before; the storms of August 2006 did about $450 million in damage and buried part of Clint in four feet of mud.
What to askHomeowners insurance generally does not cover flooding, and an arroyo does not need to be in a mapped flood zone to fill, so ask about a separate flood policy before the monsoon; most carry a 30-day wait.
Learn about flood insurance.
Bring this question to us: Get a quote or call (936) 348-2688.
The monsoon runs from mid-June through September.
Spring is dust season; in March 2025 blowing dust held visibility to half a mile or less on eleven days.
What to askDust-storm crashes on the interstate are the reason to carry uninsured motorist coverage and liability above the Texas minimum, so ask about both; sand damage to a vehicle is a comprehensive claim.
Bring this question to us: Get a quote or call (936) 348-2688.
Dust storms are most frequent from March to mid-May.
Dry years bring fire to the grasslands and the Davis Mountains: the Rockhouse fire of April 2011 started near Marfa and ran 33 miles in five and a half hours.
What to askFire is a covered peril on most home and farm policies, but fences, outbuildings, stored feed and livestock each carry their own limits, and in open country the fence line can run for miles, so ask what the limits are.
Bring this question to us: Get a quote or call (936) 348-2688.
Fire season in the Trans-Pecos peaks from mid-February through mid-May.
Hail is the most reported severe weather around El Paso.
What to askAsk what the wind and hail deductible comes to in dollars and whether the roof is paid at replacement cost or actual cash value; a hailed car is a comprehensive claim, so ask whether every vehicle carries it.
Bring this question to us: Get a quote or call (936) 348-2688.
Bring the details that matter
Bring the details relevant to your situation. You can start a conversation even if you do not have every document.
- Your current policies or renewal notices, if you have them.
- The addresses, buildings, vehicles or equipment you want to insure.
- How the property and vehicles are used, including any business, farming or ranching activities.
- Recent changes, your main questions and when you need coverage to start.
Texas resources
Talk it through with our team
We’re a Texas-based independent agency, established in 1920. Tell us what you need to insure, and we’ll review the options that may be available for your situation.
Coverage depends on the insurer, policy terms, and your circumstances.
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