Home Insurance in Laguna Vista, Texas
Homes in Laguna Vista carry a median value of $255,900 - 87% 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 Laguna Vista was built around 2001. About 3% of homes were built before 1960, about 7 points below Cameron County's 10%.
The housing stock in Laguna Vista is 71% single-family homes and 15% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
In Laguna Vista, about 47% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 16%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 84% of occupied homes in Laguna Vista are owner-occupied.
In Laguna Vista, 96% of homes 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.
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).
Key figures
| Median home value | $255,900 |
|---|---|
| Median year built | 2001 |
| Owner-occupied share | 84% |
| Share of owner-occupied homes with a mortgage | 47% |
| 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)