Home Insurance in Los Fresnos, Texas
Homes in Los Fresnos carry a median value of $152,200 - 12% 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 Los Fresnos was built around 1999. About 6% of homes were built before 1960, about 4 points below Cameron County's 10%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Los Fresnos is 78% single-family homes, 13% apartments in buildings with 5+ units and 5% mobile or manufactured homes.
About 57% of owner-occupied homes in Los Fresnos have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 9%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 62% of occupied homes in Los Fresnos are owner-occupied.
In Los Fresnos, 92% of homes 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.
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.
This area lists 4 licensed insurance agencies.
Key figures
| Median home value | $152,200 |
|---|---|
| Median year built | 1999 |
| Owner-occupied share | 62% |
| Share of owner-occupied homes with a mortgage | 57% |
| 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 Los Fresnos
- FALCON GROUP INSURANCE AGENCY LLC, Los Fresnos (General Lines Agency)
- RIO GRANDE UNDERWRITERS INSURANCE GROUP INC, Los Fresnos (General Lines Agency)
- SAFERIDE INSURANCE GROUP PLLC, Los Fresnos (General Lines Agency)
- STAR INSURANCE ADVISORS LLC, Los Fresnos (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)