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Home Insurance in Laureles, TX
Side-by-side numbers for Laureles, Cameron County and the state, covering housing, hazards and flood insurance.
$5,067/yr
About $422/mo · ~$300k-$400k dwelling class
$3,187/yr
About $266/mo after modeled shopping discount
About 37.1% below local market estimate
How Laureles homes compare
| Measure | Laureles | Cameron County | Texas |
|---|---|---|---|
| Median home value | $152,400 | $136,500 | $283,800 |
| Median year built | 1995 | 1992 | 1992 |
| Owner-occupied homes | 81% | 65% | 63% |
| Single-family detached | 88% | 65% | 64% |
| Built before 1980 | 26% | 30% | 33% |
| Built 2000 or later | 41% | 38% | 39% |
| Manufactured homes | 12% | 11% | 6% |
Home ages in Laureles are close to the Cameron County pattern (median year built 1995 versus 1992). 81% of occupied homes are owner-occupied in Laureles, above the Cameron County share of 65%.
Owners in Laureles put the median value of their homes at $152,400. The Cameron County median is similar, at $136,500. Keep in mind that Coverage A should follow rebuilding cost, not sale price, since the lot itself does not burn or blow away.
Weather risk in Cameron County, rated
| Hazard | FEMA NRI rating | NOAA reports, 2016–2025 |
|---|---|---|
| Hail | Relatively High | 30 hail reports |
| Tornadoes | Relatively Moderate | 8 tornadoes |
| Strong wind | Relatively High | 72 thunderstorm wind reports |
| Inland flooding | Relatively Moderate | 36 flash floods |
| Hurricanes | Very High | – |
| Coastal flooding | Relatively Moderate | – |
| Wildfire | Relatively Low | – |
| Winter weather | Relatively High | – |
| Drought | Relatively Moderate | – |
| Lightning | Relatively High | – |
FEMA’s county-level National Risk Index puts Cameron County in the relatively high band overall. Its leading hazards, by rating, are hurricanes (very high), cold waves (very high) and hail (relatively high).
Counting from 2000, 11 major disaster declarations for natural hazards have included Cameron County. Among the most recent are Severe Storms and Flooding (2025), Hurricane Beryl (2024) and Severe Winter Storms (2021).
Turning the Laureles numbers into coverage choices
- Laureles 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 insurance for unincorporated areas is handled through Cameron County, which participates in the National Flood Insurance Program. Only about 1 in 10 homes in Cameron County carries an NFIP policy (12,201 residential policies). Cameron County has produced 2,375 NFIP claims from 2016 on. A homeowners policy will not pay for rising water; flood is a separate policy, and NFIP coverage typically takes 30 days to begin.
- Census estimates put the median construction year for homes in Laureles at 1995. Pre-1980 houses are about 26% of the stock, and post-2000 houses about 41%. For homes in this age range, carriers mostly focus on the roof: its age, material and any prior hail repairs.
Local offices and records
Your property record, including square footage and year built, is on the Cameron appraisal district site at www.cameroncad.org (phone 956-399-9322). The district office address is 2021 Amistad Dr. San Benito, TX 78586-2657. Laureles is covered by the NWS Brownsville/Rio Grande Valley, TX forecast office, which issues local watches and warnings. The radar the weather service assigns to this point is KBRO.
Cameron County is home to Laureles. The Brownsville-Harlingen metro area counts Cameron County among its central counties. The nearest bigger city is Brownsville, about 9 miles from Laureles as the crow flies.
Laureles coverage questions
What does FEMA’s risk index say about Cameron County?
Overall, FEMA scores Cameron County as relatively high. The highest individual ratings are for hurricanes (very high), cold waves (very high) and hail (relatively high). Those are the perils to ask about when you compare deductibles and endorsements.
How much dwelling coverage do Laureles homes need?
Enough to rebuild, which is not the same as market value. Census data puts the Laureles median at $152,400, but your dwelling limit should equal what it would cost to rebuild the house at today’s labor and material prices.
What is a typical savings range when switching?
The estimate cards above model about 37.1% below the local market figure for Laureles. Treat it as illustrative; your quote depends on the home, roof, claims history and deductible.
Has Laureles been part of a FEMA disaster declaration?
Since 2000, FEMA has declared 11 natural-hazard major disasters that include Cameron County. The most recent was Severe Storms and Flooding, declared in May 2025. FEMA assistance is capped and is not a substitute for insurance.
Request a Laureles homeowners quote
One call to 800-875-4711 or a short online form gets several carriers working on your quote.
Where the Laureles numbers come from
Public data current as of October 2026; Census figures are survey estimates. Premium figures in the estimate cards are illustrative models, not quotes.
- FEMA declared disasters, Cameron County
- NOAA Storm Events Database, Cameron County
- County and state comparisons: Cameron County value, Cameron County build year, Texas value
- Census metro delineation
- Census Gazetteer files
- FEMA NRI county ratings, Cameron County
- Texas Windstorm Insurance Association
- Comptroller county directory, Cameron County
- Comptroller 2024 regions
- NWS Brownsville/Rio Grande Valley, TX
- Census Bureau ACS five-year data, Laureles CDP: median year built, home value, tenure, structure type, population, year built
- OpenFEMA flood insurance data, Cameron County