Home Insurance in Indian Lake, Texas
Homes in Indian Lake carry a median value of $65,400 - 52% lower than the Cameron County median.
The typical home in Indian Lake was built around 1991. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 3% of homes were built before 1960, about 7 points below Cameron County's 10%.
The housing stock in Indian Lake is 8% single-family homes, 13% apartments in buildings with 5+ units and 77% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 14% of owner-occupied homes in Indian Lake have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 68% of occupied homes in Indian Lake are owner-occupied. The vacancy rate is 25%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
94% of homes in Indian Lake are primarily heated with electricity.
Cameron County's top FEMA-rated hazard is hurricane (Very High), per FEMA's National Risk Index. 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.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Texas carries a statewide average premium of $2,864 per year.
Key figures
| Median home value | $65,400 |
|---|---|
| Median year built | 1991 |
| Owner-occupied share | 68% |
| Share of owner-occupied homes with a mortgage | 14% |
| 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
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)