Home Insurance in Bayview, Texas
Homes in Bayview carry a median value of $313,100 - 129% higher than the Cameron County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Bayview was built around 1997. About 13% of homes were built before 1960, about 4 points above Cameron County's 10%.
In Bayview, the housing stock is 98% single-family homes, 1% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
In Bayview, about 54% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 94% of occupied homes in Bayview are owner-occupied. The vacancy rate is 15%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Bayview - 72% - are primarily heated with electricity. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA rates Cameron County's overall risk as Relatively High, led by hurricane (Very High). Cameron County had 19,149 active NFIP flood policies as of September 2026. See the full Cameron County home insurance overview for all FEMA hazard ratings and flood coverage details.
In Texas, the statewide average premium for a standard HO-3 homeowners policy is $2,864 per year (NAIC, 2023 data).
Key figures
| Median home value | $313,100 |
|---|---|
| Median year built | 1997 |
| Owner-occupied share | 94% |
| Share of owner-occupied homes with a mortgage | 54% |
| Top county hazard | Hurricane (Very High) |
| Active NFIP policies in Cameron County | 19,149 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Nearby towns
- Laguna Vista
- Los Fresnos
- Indian Lake
- Brownsville
- Port Isabel
- Rancho Viejo
- Rio Hondo
- South Padre Island
Sources
Data last updated: 2026-09-29
- U.S. Census Bureau Gazetteer Files (2024)
- U.S. Census Bureau, American Community Survey 2020-2024 5-Year Estimates (2024)
- FEMA National Risk Index (December 2025)
- FEMA OpenFEMA NFIP Redacted Policies v3 (2026)
- NAIC Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owners Insurance: Data for 2023 (published 2026) (2023)