Home Insurance in Rancho Viejo, Texas
The median home value in Rancho Viejo is $264,500, 94% higher than the Cameron County median.
The typical home in Rancho Viejo was built around 1984. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 4% of homes were built before 1960, about 6 points below Cameron County's 10%.
In Rancho Viejo, the housing stock is 74% single-family homes, 17% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
About 45% of owner-occupied homes in Rancho Viejo have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Rancho Viejo has an owner-occupancy rate of 66% and a vacancy rate of 14%; unoccupied homes typically need a different coverage form.
Most homes in Rancho Viejo - 96% - 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.
In Texas, the statewide average premium for a standard HO-3 homeowners policy is $2,864 per year (NAIC, 2023 data).
This area lists 1 licensed insurance agencies.
Key figures
| Median home value | $264,500 |
|---|---|
| Median year built | 1984 |
| Owner-occupied share | 66% |
| Share of owner-occupied homes with a mortgage | 45% |
| 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 Rancho Viejo
- EAGLE RGV, LLC, Rancho Viejo (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)