Home Insurance in Cameron, Texas
Homes in Cameron carry a median value of $125,000 - 34% lower than the Milam County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Cameron was built around 1973. About 28% of homes were built before 1960, about 7 points above Milam County's 21%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Cameron is 73% single-family homes, 5% apartments in buildings with 5+ units and 4% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
In Cameron, about 42% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 56% of occupied homes in Cameron are owner-occupied. The vacancy rate is 9%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
71% of homes in Cameron are primarily heated with electricity.
Milam County's top FEMA-rated hazard is tornado (Relatively Moderate), per FEMA's National Risk Index. Milam County had 52 active NFIP flood policies as of September 2026. See the full Milam 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 4 licensed insurance agencies.
Key figures
| Median home value | $125,000 |
|---|---|
| Median year built | 1973 |
| Owner-occupied share | 56% |
| Share of owner-occupied homes with a mortgage | 42% |
| Top county hazard | Tornado (Relatively Moderate) |
| Active NFIP policies in Milam County | 52 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Licensed insurance agencies in Cameron
- CAMP INSURANCE AGENCY INC, Cameron (General Lines Agency)
- FORREST SAPP INSURANCE AGENCY, LLC, Cameron (General Lines Agency)
- JOSEPH R QUEBE, LLC, Cameron (General Lines Agency)
- RUBAC INSURANCE AGENCY LLC, Cameron (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)