Home / Texas Home Insurance Locations / Port Isabel
Home Insurance in Port Isabel, TX
See where Port Isabel stands against county and statewide figures before you compare home insurance quotes.
$4,926/yr
About $410/mo · ~$300k-$400k dwelling class
$3,148/yr
About $262/mo after modeled shopping discount
About 36.1% below local market estimate
Port Isabel, Cameron County and Texas side by side
| Measure | Port Isabel | Cameron County | Texas |
|---|---|---|---|
| Median home value | – | $136,500 | $283,800 |
| Median year built | 1982 | 1992 | 1992 |
| Owner-occupied homes | 60% | 65% | 63% |
| Single-family detached | 42% | 65% | 64% |
| Built before 1980 | 47% | 30% | 33% |
| Built 2000 or later | 20% | 38% | 39% |
| Manufactured homes | 29% | 11% | 6% |
The housing stock in Port Isabel is older than Cameron County’s overall, by median build year (1982 versus 1992). Manufactured homes are more common in Port Isabel (29% of units) than across Cameron County (11%).
The Census estimate for Port Isabel is too uncertain to quote, but the Cameron County median home value is $136,500. Sale prices and rebuild costs can diverge in either direction, which is why carriers run their own replacement-cost estimate for the dwelling limit.
Hazard ratings for Cameron County
| 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 | – |
Taking all natural hazards together, FEMA rates Cameron County relatively high. The highest-rated individual hazards are hurricanes (very high), cold waves (very high) and hail (relatively high).
Natural hazards have put Cameron County in 11 federal major disaster declarations since 2000. The most recent include Severe Storms and Flooding (2025), Hurricane Beryl (2024) and Severe Winter Storms (2021).
What the comparison means for your policy
- Cameron County is a first-tier coastal county, so Port Isabel falls within TWIA’s designated catastrophe area. Many local policies split wind and hail off to TWIA while the homeowners policy covers everything else.
- Port Isabel participates in the National Flood Insurance Program, so NFIP policies are available to residents. The effective FEMA flood map for the community is from February 2018. NFIP data counts 12,201 residential flood policies in Cameron County, about 1 for every 10 homes. NFIP records show 2,375 flood claims in the county since 2016. Flood needs its own policy, and buying one right before a storm will not help because of the usual 30-day wait.
- 1982 is the median year built for housing units in Port Isabel. 20% of local homes are from 2000 or later, compared with 47% built before 1980. Homes from the 1980s and 1990s are now old enough that many are on a second roof, and insurers commonly ask when it was replaced.
Contacts for Port Isabel homeowners
The Cameron County appraisal district (www.cameroncad.org) publishes the square footage, year built and improvements insurers use to estimate rebuild cost. You can also visit the office at 2021 Amistad Dr. San Benito, TX 78586-2657. The NWS Brownsville/Rio Grande Valley, TX office handles forecasts and storm warnings for Port Isabel. Its assigned radar site for Port Isabel is KBRO.
Port Isabel belongs to Cameron County. Cameron County forms part of the urban core of the Brownsville-Harlingen metro. Measured point to point, Port Isabel sits roughly 12 miles northeast of Brownsville.
Questions Port Isabel homeowners ask
How risky is Cameron County for natural hazards?
FEMA’s National Risk Index rates overall risk in Cameron County as relatively high. The top-rated hazards are hurricanes (very high), cold waves (very high) and hail (relatively high). Use that list to decide where higher limits or a lower deductible are worth the premium.
How much could I save by shopping my Port Isabel policy?
On this page we model a 36.1% gap between the local market estimate and our estimate for Port Isabel. It is not a quote, and actual savings can be higher, lower or zero.
Can I get TWIA windstorm coverage in Port Isabel?
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.
Is home insurance required in Port Isabel?
There is no state requirement. Mortgage contracts, HOA rules and some condo bylaws are what usually make coverage mandatory.
Get a Port Isabel home insurance quote
Compare carriers with Texas Insurance Resources. Call 800-875-4711 or request a quote online.
Data sources and notes
Figures were retrieved in October 2026 and are estimates with margins of error. Price estimates near the top are Texas Insurance Resources models for comparison, not quotes or published averages.
- OMB metro and micro areas
- Gazetteer (Census)
- NOAA NCEI storm reports, Cameron County
- Comptroller economic regions
- FEMA disaster declarations, Cameron County
- Comparison figures: Cameron County value, Cameron County build year, Texas value
- Texas property tax directory, Cameron County
- FEMA National Risk Index, Cameron County
- Census ACS 2020–2024, Port Isabel city: home value, tenure, median year built, population, year built, structure type
- NFIP data (OpenFEMA), Cameron County
- NWS Brownsville/Rio Grande Valley, TX
- TWIA coverage area
- Community Status Book (NFIP)