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Home Insurance in Cameron, TX
A practical plan for buying home insurance in Cameron: the records to pull, the limits to set and the local risks to price in.
Buying Cameron home insurance, step by step
- Pull your property record. Insurers often check the appraisal district record, so confirm that what the Milam district shows at www.milamad.org matches your home. The district office address is 120 N. Houston Ave. Cameron, TX 76520-3321.
- Size Coverage A correctly. Median home value: $125,000, according to the latest five-year Census survey. Across Milam County the median is $189,800. Market value includes land and location, so it is not the same as the cost to rebuild; insure the dwelling to a replacement-cost estimate instead.
- Choose a wind and hail deductible. Milam County had 14 hail reports in NOAA’s storm records for 2016 through 2025. 10 of those involved stones an inch or larger, the size that commonly damages shingles. On April 6, 2019, observers reported hail as large as 2 inches. A higher deductible lowers premium, but make sure you could pay it after a storm.
- Confirm who covers wind. Milam County is outside TWIA’s designated catastrophe area, so wind and hail are normally covered by the homeowners policy itself, often with a separate percentage deductible.
- Look at flood separately. Cameron participates in the National Flood Insurance Program, so NFIP policies are available to residents. The effective FEMA flood map for the community is from December 1992. In Milam County, roughly 1 home in 233 has federal flood coverage (46 residential policies in force). A homeowners policy will not pay for rising water; flood is a separate policy, and NFIP coverage typically takes 30 days to begin. Look up your address on the FEMA Flood Map Service Center to see your flood zone.
- Compare quotes on equal terms. Ask every carrier to quote the same dwelling limit, deductibles and endorsements, then compare price and claim terms. An independent agency can run several Cameron quotes at once; start a quote here.
$3,369/yr
About $281/mo · ~$300k-$400k dwelling class
$1,883/yr
About $157/mo after modeled shopping discount
About 44.1% below local market estimate
Numbers to keep handy
Milam County lands in the relatively low category of FEMA’s National Risk Index. The individual hazards that stand out are lightning (relatively high), hail (relatively moderate) and tornadoes (relatively moderate).
Cameron and its housing
The county for Cameron is Milam County. Milam County is outside any federally defined metro or micro area. Temple is the closest larger city, roughly 30 miles away, with Cameron to its southeast.
In Cameron, 56% of occupied homes are lived in by their owners and 72% of units are detached houses. Half of the housing in Cameron dates from 1973 or earlier, per Census estimates. About 73% of homes went up before 1980, while 10% were built in 2000 or later.
Watches and warnings for Cameron are issued by NWS Fort Worth/Dallas, TX. The associated NEXRAD radar is KGRK.
Cameron quote questions
How often should I shop coverage in Cameron?
Yearly is a good habit, plus whenever your premium jumps, you finish a remodel or you replace the roof.
What coverage do landlords and tenants need in Cameron?
Renters occupy about 44% of homes in Cameron. Landlords generally need a DP-1, DP-2 or DP-3 dwelling policy, and tenants need renters insurance, because the landlord’s policy does not cover a tenant’s belongings.
Does Texas law require home insurance in Cameron?
State law does not require it. Your lender will, though, and if coverage lapses the lender can place a policy for you that usually costs more and covers less.
Are tornadoes covered on a Cameron home policy?
Yes. Tornadoes fall under the windstorm peril, so the wind and hail deductible applies. Milam County had 6 tornadoes in NOAA’s 2016 to 2025 records, which is a good reason to check your dwelling, other-structures and debris-removal limits.
Request a Cameron homeowners quote
One call to 800-875-4711 or a short online form gets several carriers working on your quote.
Sources for this Cameron page
Figures were retrieved in October 2026 and are estimates with margins of error. Premium figures in the estimate cards are illustrative models, not quotes.
- OpenFEMA NFIP data, Milam County
- Texas property tax directory, Milam County
- Census Bureau ACS five-year data, Cameron city: structure type, median year built, year built, home value, population, tenure
- FEMA National Risk Index, Milam County
- NFIP Community Status Book
- Census CBSA delineation
- Census Gazetteer coordinates
- Storm Events Database (NOAA), Milam County
- TWIA coverage area
- Texas Comptroller regions
- FEMA disaster declarations, Milam County
- Benchmarks: Milam County value, Milam County build year
- NWS Fort Worth/Dallas, TX