Texas county guide
Insurance in Cameron County, Texas
Local risks, Texas rules and free help for the 433,946 people who live in Cameron County.
Cameron County has 21 ZIP codes and 433,946 residents (Census estimate, July 2025), +3.0% since 2020. Below: what federal disaster records say about local risk, how that affects home and car insurance in Cameron County, and where to get free Medicare help.
- Population (2025)
- 433,946
- Change since 2020
- +3.0%
- ZIP codes
- 21
- FEMA declarations since 2000
- 23
- TWIA wind area
- Yes
- Medicare-eligible residents
- 73,926
Local risk: the federal disaster record
Since 2000, FEMA has made 23 disaster, emergency or fire-management declarations covering Cameron County. By type:
- Hurricanes and coastal storms: 12
- Wildfires: 4
- Floods: 3
- Severe storms (hail, wind, tornadoes): 2
- Winter and ice storms: 2
Most recent major disaster declarations:
- 2025: Severe Storms And Flooding
- 2024: Hurricane Beryl
- 2021: Severe Winter Storms
- 2019: Severe Storms And Flooding
Hurricane risk shapes home insurance more than anything else: check whether your policy covers wind and hail, what your windstorm deductible is, and whether you need separate flood coverage for storm surge.
Wildfire risk makes replacement-cost coverage, adequate dwelling limits and additional living expenses coverage especially important. Keep a home inventory somewhere other than your home.
Declarations count how often federal help was declared, not how bad each event was, and statewide declarations (such as the February 2021 winter storm) are counted for every county.
Home insurance in Cameron County
Cameron County is one of the 14 first-tier coastal counties where the Texas Windstorm Insurance Association (TWIA) sells wind and hail coverage. If your home policy excludes wind and hail, TWIA may be an option for homes in Cameron County that have been turned down by a company writing that coverage and have a windstorm certificate (WPI-8).
Flooding isn’t covered by standard home or renters policies anywhere in Texas. With 15 flood or hurricane declarations here since 2000, it's worth pricing a flood policy even outside a mapped flood zone.
Texas law also sets claim deadlines: your insurer must acknowledge a claim within 15 days and accept or deny it within 15 business days of getting what it needs. See Texas home insurance.
Car insurance in Cameron County
Every Texas driver needs at least 30/60/25 liability coverage. PIP is included and uninsured motorist coverage must be offered unless you reject them in writing. Given the storm and flood history here, comprehensive coverage, which pays for hail and flood damage to your own car, matters more than the minimum suggests. Rates vary by ZIP code within Cameron County. See Texas car insurance.
Medicare in Cameron County
73,926 Cameron County residents are eligible for Medicare, and 74.98% of them are enrolled in a Medicare Advantage plan (CMS, September 2026). Plans are sold by county, so compare what’s available in your ZIP code on the Medicare Plan Finder, and review your coverage during Open Enrollment, October 15 to December 7.
Free, unbiased Medicare counseling for Cameron County comes from the Lower Rio Grande Valley AAA (956-682-3481, Ext. 412), part of Texas’s HICAP program. See Medicare in Texas.
Communities and ZIP codes in Cameron County
Brownsville, Combes, Harlingen, La Feria, Los Fresnos, Los Indios, Lozano, Olmito, Port Isabel, Rio Hondo, San Benito, Santa Maria, Santa Rosa, South Padre Island.
78520 · 78521 · 78522 · 78523 · 78526 · 78535 · 78550 · 78551 · 78552 · 78553 · 78559 · 78566 · 78567 · 78568 · 78575 · 78578 · 78583 · 78586 · 78592 · 78593 · 78597
Common questions
The same as everywhere in Texas: 30/60/25, meaning $30,000 for injuries per person, up to $60,000 per accident, and $25,000 for property damage. PIP and uninsured motorist coverage are included or offered unless you reject them in writing.
Yes. Cameron County is one of TWIA's 14 first-tier coastal counties.
FEMA has made 23 disaster, emergency or fire declarations covering Cameron County since 2000, most often for hurricanes and coastal storms.
From the Lower Rio Grande Valley AAA (Area Agency on Aging), which offers free benefits counseling at 956-682-3481, Ext. 412. You can also call 800-252-9240.
Want this priced for your part of Texas?
Rates in Texas vary a lot by ZIP code, especially for home and auto. Tell us where you are and what you need, and a licensed insurance professional can show you what’s actually available.
Sources
- County and city population estimates, Vintage 2025, U.S. Census Bureau. Checked September 30, 2026.
- OpenFEMA Disaster Declarations Summaries (Texas, 2000 onward), Federal Emergency Management Agency. Checked September 30, 2026.
- Coverage and eligibility, Texas Windstorm Insurance Association. Checked September 30, 2026.
- Home insurance guide (updated Jun 1, 2026), Texas Department of Insurance. Checked September 30, 2026.
- Auto insurance guide (updated Dec 11, 2025), Texas Department of Insurance. Checked September 30, 2026.
- MA State/County Penetration, September 2026, Centers for Medicare & Medicaid Services. Checked September 30, 2026.
- Area Agencies on Aging directory, Texas Health and Human Services. Checked September 30, 2026.
- Postal code data (CC BY 4.0), GeoNames. Checked September 30, 2026.
General information only, not insurance advice. Coverage, availability and terms vary by insurer and are subject to underwriting. Local figures come from public data sources listed on each page. Quote My Policy is operated by an insurance agent licensed in Texas. Nothing here binds coverage.