Make the pico de gallo: Toss all pico ingredients together and refrigerate.
Brown the beef in a skillet and add taco seasoning with water.
Warm tortillas in microwave for 20 seconds in a towel.
Fill each tortilla with cheese, beef, and pico.
Fold and wrap like a burrito.
Wrap in a damp paper towel and microwave 20 seconds to melt.
