HomeInsuranceQts

Home Insurance in Cameron County, Texas

Homes in Cameron County carry a median value of $136,500 - 52% lower than the Texas median.

The typical home in Cameron County was built around 1992. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 10% of homes were built before 1960, about 3 points below Texas's 12%.

Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Cameron County is 67% single-family homes, 14% apartments in buildings with 5+ units and 11% mobile or manufactured homes.

In Cameron County, about 39% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.

Cameron County has an owner-occupancy rate of 65% and a vacancy rate of 13%; unoccupied homes typically need a different coverage form.

90% of homes in Cameron County are primarily heated with electricity.

Per FEMA's National Risk Index, Cameron County's top hazards are hurricane (Very High), hail (Relatively High) and inland flooding (Relatively Moderate).

Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Cameron County has 19,149 active NFIP flood policies on file.

The statewide average premium for a standard HO-3 homeowners policy in Texas is $2,864 per year, according to the NAIC homeowners insurance report (2023 data).

This area lists 99 licensed insurance agencies.

Key figures

Median home value$136,500
Median year built1992
Owner-occupied share65%
Share of owner-occupied homes with a mortgage39%
Top hazards (FEMA National Risk Index)Hurricane (Very High), Hail (Relatively High), Inland Flooding (Relatively Moderate)
Active NFIP flood policies (county)19,149
Home insurance premium$2,864 - statewide average (NAIC, 2023 data)

Towns and cities

Licensed insurance agencies in Cameron County

...and 39 more licensed agencies.

Data source: Texas Department of Insurance - licensed agencies, https://data.texas.gov/d/3yqc-fcdt

Sources