Home Insurance in San Benito, Texas
Homes in San Benito carry a median value of $85,300 - 38% lower 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 San Benito was built around 1987. About 18% of homes were built before 1960, about 9 points above Cameron County's 10%.
The housing stock in San Benito is 74% single-family homes, 8% apartments in buildings with 5+ units and 11% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 29% of owner-occupied homes in San Benito have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
San Benito has an owner-occupancy rate of 66% and a vacancy rate of 11%; unoccupied homes typically need a different coverage form.
In San Benito, 87% 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.
In Texas, the statewide average premium for a standard HO-3 homeowners policy is $2,864 per year (NAIC, 2023 data).
4 licensed insurance agencies serve this area.
Key figures
| Median home value | $85,300 |
|---|---|
| Median year built | 1987 |
| Owner-occupied share | 66% |
| Share of owner-occupied homes with a mortgage | 29% |
| 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 San Benito
- CROPGUARD GROUP, INC., San Benito (General Lines Agency)
- DAP DEVELOPMENT, LLC, San Benito (General Lines Agency)
- FIRSTPROTECT L.L.C., San Benito (General Lines Agency)
- MEDINSURANCE AGENCY, LLC, San Benito (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)