Home Insurance in Brownsville, Texas
Homes in Brownsville carry a median value of $139,900 - close to the Cameron County median.
The typical home in Brownsville was built around 1995. About 9% of homes were built before 1960, in line with Cameron County (10%). Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Brownsville is 71% single-family homes, 15% apartments in buildings with 5+ units and 5% mobile or manufactured homes.
About 42% of owner-occupied homes in Brownsville have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 62% of occupied homes in Brownsville are owner-occupied. The vacancy rate is 8%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Brownsville - 90% - are primarily heated with electricity.
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.
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).
54 licensed insurance agencies are listed for this area.
Key figures
| Median home value | $139,900 |
|---|---|
| Median year built | 1995 |
| Owner-occupied share | 62% |
| Share of owner-occupied homes with a mortgage | 42% |
| Top county hazard | Hurricane (Very High) |
| Active NFIP policies in Cameron County | 19,149 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Licensed insurance agencies in Brownsville
- A PLUS INSURANCE SERVICES LLC, Brownsville (General Lines Agency)
- A PLUS INSURANCE SERVICES, L.L.C., Brownsville (General Lines Agency)
- AJAM GROUP LLC, Brownsville (General Lines Agency)
- ALEXIS INSURANCE GROUP INC, Brownsville (General Lines Agency)
- ALFORD INSURANCE AGENCY INC, Brownsville (General Lines Agency)
- ALPHA INSURANCE SOLUTIONS INC., Brownsville (General Lines Agency)
- ALTRE INSURANCE AGENCY INC, Brownsville (General Lines Agency)
- AM7 ENTERPRISES INC, Brownsville (General Lines Agency)
- B. WHISENANT INSURANCE MANAGEMENT LLC, Brownsville (General Lines Agency)
- BEE PROTECTED LLC, Brownsville (General Lines Agency)
- BENAVIDES INSURANCE AGENCY LLC, Brownsville (General Lines Agency)
- BERT WHISENANT INSURANCE AGENCY LP, Brownsville (General Lines Agency)
- C & T INSURANCE AGENCY LLC, Brownsville (General Lines Agency)
- CAR & CAR INVESTMENT GROUP LLC, Brownsville (General Lines Agency)
- CORPORATE MUTUAL INSURANCE GROUP LLC, Brownsville (General Lines Agency)
- D' ALVARADO INSURANCE & MULTI-SERVICE LLC, Brownsville (General Lines Agency)
- DE LA LASTRA INSURANCE AGENCY, LLC, Brownsville (General Lines Agency)
- DELTA INSURANCE BROKERS, LLC, Brownsville (General Lines Agency)
- DISN,LLC, Brownsville (General Lines Agency)
- ESCOBEDO INSURANCE AGENCY LLC, Brownsville (General Lines Agency)
- ESCOBEDO INSURANCE AGENCY LLC, Brownsville (General Lines Agency)
- FAMILY MULTI-PROTECTION INSURANCE LLC, Brownsville (General Lines Agency)
- FNB INSURANCE GROUP, LLC, Brownsville (General Lines Agency)
- FORTALEZA INSURANCE GROUP, LLC, Brownsville (General Lines Agency)
- GMFE GROUP, LLC, Brownsville (General Lines Agency)
- GULF COAST INSURANCE GROUP LLC, Brownsville (General Lines Agency)
- HARMONY INSURANCE GROUP LLC, Brownsville (General Lines Agency)
- HUGHSTON INSURANCE AGENCY, INC, Brownsville (General Lines Agency)
- IMPERIO INSURANCE AGENCY, LLC, Brownsville (General Lines Agency)
- JCMOCHINUT OPERATIONS LLC, Brownsville (General Lines Agency)
- JOLE INSURANCE GROUP LLC, Brownsville (General Lines Agency)
- JOLU GAMING INC., Brownsville (General Lines Agency)
- LUGO INSURANCE BROKER LLC, Brownsville (General Lines Agency)
- MARTINEZ INSURANCE GROUP, INC., Brownsville (General Lines Agency)
- NEW GENERATION INSURANCE AGENCY, LLC, Brownsville (General Lines Agency)
- NEW UNITED ENTERPRISE LLC, Brownsville (General Lines Agency)
- NRP LEGACY, LLC, Brownsville (General Lines Agency)
- NUVAL VENTURES LLC, Brownsville (General Lines Agency)
- PRONTO GENERAL AGENCY, INC., Brownsville (General Lines Agency)
- PRONTO INSURANCE AGENCY OF LAREDO, INC., Brownsville (General Lines Agency)
- RED SHIELD INSURANCE AGENCY LLC, Brownsville (General Lines Agency)
- RGV DE LEON GROUP LLC, Brownsville (General Lines Agency)
- RICK ORTIZ INSURANCE AGENCY PC, Brownsville (General Lines Agency)
- SAFETY INSURANCE AGENCY LLC, Brownsville (General Lines Agency)
- SALHIN LLC, Brownsville (General Lines Agency)
- SELECT ADVISORS, INC., Brownsville (General Lines Agency)
- SOLUTION OFFICE SERVICES LLC, Brownsville (General Lines Agency)
- SWEETLIFE INSURANCE AGENCY LLC, Brownsville (Pers Lines Prop and Cas Agency)
- TEXAS GUTIERREZ ENTERPRIZES INC, Brownsville (General Lines Agency)
- THE INSURANCE TEAM LLC, Brownsville (General Lines Agency)
- THE INSURANCE TEAM SERVICES TX LLC, Brownsville (General Lines Agency)
- VERSUS INSURANCE GROUP, LLC, Brownsville (General Lines Agency)
- VH TAX AND FINANCIAL SERVICES LLC, Brownsville (General Lines Agency)
- WADE SALES & BLAKE SALES LLP, Brownsville (General Lines Agency)
Data source: Texas Department of Insurance - licensed agencies, https://data.texas.gov/d/3yqc-fcdt
Nearby towns
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)
- Texas Department of Insurance - licensed agencies (2026)