Home Insurance in La Feria, Texas
With a median home value of $106,900, La Feria is 22% lower than the Cameron County median.
The typical home in La Feria was built around 1989. About 9% of homes were built before 1960, in line with Cameron County (10%). Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in La Feria is 59% single-family homes, 7% apartments in buildings with 5+ units and 27% mobile or manufactured homes.
35% of owner-occupied homes in La Feria carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 23%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 71% of occupied homes in La Feria are owner-occupied.
Most homes in La Feria - 93% - 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.
2 licensed insurance agencies are listed for this area.
Key figures
| Median home value | $106,900 |
|---|---|
| Median year built | 1989 |
| Owner-occupied share | 71% |
| Share of owner-occupied homes with a mortgage | 35% |
| 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 La Feria
- J&D INSURANCE AGENCY, LLC, La Feria (General Lines Agency)
- RUELAS INVESTMENTS, LLC, La Feria (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)