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Home Insurance in La Paloma, TX
La Paloma homeowners insure against hurricanes and cold waves first, according to FEMA’s county ratings. This page lays out the local hazard data and what it means for coverage.
$5,081/yr
About $423/mo · ~$300k-$400k dwelling class
$2,825/yr
About $235/mo after modeled shopping discount
About 44.4% below local market estimate
La Paloma hazard snapshot
FEMA’s National Risk Index rates overall natural-hazard risk in Cameron County as relatively high. Hazard by hazard, the strongest scores are for hurricanes (very high), cold waves (very high) and hail (relatively high).
With hurricane risk very high in Cameron County, look closely at any named-storm or hurricane deductible, which is often a percentage of the dwelling limit.
Cold waves are rated very high in Cameron County; frozen pipes are the main home insurance concern.
A relatively high hail rating makes the wind/hail deductible one of the biggest pricing levers, since a percentage deductible is based on your dwelling limit, not the claim.
Winter weather is rated relatively high in Cameron County. Burst pipes from a freeze are generally covered, but carriers expect reasonable heat to be maintained.
Recent severe weather in Cameron County
NOAA’s Storm Events Database logs 30 hail reports in Cameron County from 2016 through 2025. 27 of those involved stones an inch or larger, the size that commonly damages shingles. The biggest stones, 3.01 inches across, fell on April 2, 2017. Cameron County saw 8 tornadoes in NOAA’s 2016 to 2025 records; the most intense was an EF1 on May 13, 2023.
Severe thunderstorm winds were reported 72 times, the strongest near 89 mph. Flash floods account for 36 more entries in the decade.
Since 2000, Cameron County has been included in 11 federal major disaster declarations for natural hazards. The latest declarations were Severe Storms and Flooding (2025), Hurricane Beryl (2024) and Severe Winter Storms (2021).
Windstorm questions for La Paloma homes
La Paloma is inside the Texas Windstorm Insurance Association’s designated catastrophe area, because Cameron County is one of the 14 first-tier coastal counties. If a private carrier excludes wind and hail, TWIA can fill that gap for eligible properties.
Flood risk and coverage for La Paloma
Homes outside city limits fall under Cameron County’s NFIP participation, so federal flood policies are available. Across Cameron County, 12,201 residential NFIP policies were in force, roughly 1 for every 10 homes. Policyholders in the county have filed 2,375 NFIP claims since 2016. Flood needs its own policy, and buying one right before a storm will not help because of the usual 30-day wait.
Your flood zone is a quick search away on the FEMA Flood Map Service Center.
La Paloma housing in brief
Line up every home in La Paloma by age and the one in the middle was built in 1998. Roughly 21% of the housing stock predates 1980 and 46% is from 2000 onward. Homeowners in La Paloma report a median value of $82,400. The county-wide figure is higher, at $136,500. A home’s market value is a starting point only; the dwelling limit should reflect labor and materials to rebuild it at today’s prices.
Local offices for La Paloma homeowners
The county for La Paloma is Cameron County. The Brownsville-Harlingen metro area counts Cameron County among its central counties. The nearest bigger city is Brownsville, about 12 miles from La Paloma as the crow flies.
Your property record, including square footage and year built, is on the Cameron appraisal district site at www.cameroncad.org (phone 956-399-9322). You can also visit the office at 2021 Amistad Dr. San Benito, TX 78586-2657. Severe weather warnings for La Paloma come from the NWS Brownsville/Rio Grande Valley, TX office. Its assigned radar site for La Paloma is KBRO.
FAQ: La Paloma storm and flood coverage
Can I get TWIA windstorm coverage in La Paloma?
Yes. Cameron County is one of the 14 first-tier coastal counties in TWIA’s designated catastrophe area, so eligible homes can buy windstorm and hail coverage from TWIA when private carriers exclude it.
What wind and hail deductible should I choose in La Paloma?
Pick the deductible you could pay the week after a storm. Percentage deductibles scale with the dwelling limit, so 1% on a $400,000 limit means $4,000 per claim, while flat deductibles stay fixed. With 27 reports of inch-plus hail in Cameron County from 2016 through 2025, it is worth pricing both options.
What does the hail record look like near La Paloma?
NOAA’s Storm Events Database lists 30 hail reports in Cameron County from 2016 through 2025, 27 of them with stones an inch or larger. FEMA’s National Risk Index rates the county’s hail risk relatively high. Keep photos of your roof’s condition so a future claim is easier to document.
Is homeowners coverage mandatory for La Paloma homeowners?
Texas does not mandate homeowners insurance, yet nearly every mortgage requires it. Owners without a loan still carry the full cost of a fire, hail or theft loss if uninsured.
Request a La Paloma homeowners quote
Texas Insurance Resources shops multiple carriers for you. Call 800-875-4711 or start online.
Sources and methodology
Data reflects the most recent releases available in October 2026; survey figures carry margins of error. Premium figures in the estimate cards are illustrative models, not quotes.
- Texas Windstorm Insurance Association
- Comptroller CAD listing, Cameron County
- Disaster declarations (FEMA), Cameron County
- Comparison figures: Cameron County value, Cameron County build year
- OpenFEMA NFIP data, Cameron County
- American Community Survey 2020–2024, La Paloma CDP: median year built, population, year built, structure type, home value, tenure
- FEMA NRI county ratings, Cameron County
- NWS Brownsville/Rio Grande Valley, TX
- NOAA Storm Events Database, Cameron County
- OMB metro and micro areas
- Gazetteer (Census)
- Texas Comptroller regions