Home Insurance in Port Isabel, Texas
With a median home value of $182,600, Port Isabel is 34% higher than the Cameron County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Port Isabel was built around 1982. About 10% of homes were built before 1960, in line with Cameron County (10%).
In Port Isabel, the housing stock is 43% single-family homes, 18% apartments in buildings with 5+ units and 29% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
36% of owner-occupied homes in Port Isabel carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 60% of occupied homes in Port Isabel are owner-occupied. The vacancy rate is 22%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Port Isabel, 89% of homes are primarily heated with electricity.
What's the biggest home insurance risk near Port Isabel? FEMA's National Risk Index points to hurricane (Very High) in Cameron County and 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).
This area lists 3 licensed insurance agencies.
Key figures
| Median home value | $182,600 |
|---|---|
| Median year built | 1982 |
| Owner-occupied share | 60% |
| Share of owner-occupied homes with a mortgage | 36% |
| 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 Port Isabel
- CAMERON COUNTY INSURANCE AGENCY, L.L.C., Port Isabel (General Lines Agency)
- CAMERON COUNTY INSURANCE CENTER, INC., Port Isabel (General Lines Agency)
- COASTAL INSURANCE AGENCY LLC, Port Isabel (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)