Home Insurance in Santa Rosa, Texas
The median home value in Santa Rosa is $67,400, 51% lower than the Cameron County median.
The typical home in Santa Rosa was built around 1991. About 4% of homes were built before 1960, about 5 points below Cameron County's 10%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
The housing stock in Santa Rosa is 82% single-family homes, 3% apartments in buildings with 5+ units and 6% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Santa Rosa, about 27% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Santa Rosa has an owner-occupancy rate of 51% and a vacancy rate of 14%; unoccupied homes typically need a different coverage form.
In Santa Rosa, 94% 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.
In Texas, the statewide average premium for a standard HO-3 homeowners policy is $2,864 per year (NAIC, 2023 data).
Key figures
| Median home value | $67,400 |
|---|---|
| Median year built | 1991 |
| Owner-occupied share | 51% |
| Share of owner-occupied homes with a mortgage | 27% |
| 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)