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Home Insurance in San Benito, TX
What San Benito houses look like on paper, including age, type and value, and how each detail feeds into a homeowners quote.
What San Benito housing looks like
In San Benito, 66% of occupied homes are lived in by their owners and 71% of units are detached houses. About 11% of units are manufactured homes, which typically need a policy built for that construction type.
Older, newer and in between: San Benito homes
Census estimates put the median construction year for homes in San Benito at 1987. Homes built before 1980 make up about 40% of the total; those built since 2000 account for 33%. A middle-aged housing stock means roof age matters a lot: a roof past roughly 15 to 20 years can move a policy to actual cash value roof coverage with some carriers.
$4,919/yr
About $410/mo · ~$300k-$400k dwelling class
$2,735/yr
About $228/mo after modeled shopping discount
About 44.4% below local market estimate
Market value versus rebuild cost in San Benito
The median owner-estimated home value in San Benito is $85,300. Cameron County overall comes in higher, at $136,500. Land value is part of a sale price but not of a rebuild, so the right Coverage A figure can be well above or below market value.
The six parts of a San Benito homeowners policy
Covers the house. Lenders require it, and it is the base that percentage deductibles are calculated from.
Anything not attached to the house, such as fences, carports and barns.
Your belongings. A room-by-room photo inventory makes claims faster.
Hotel, meals and other added costs while the home is uninhabitable after a covered claim.
Covers lawsuits for injuries or property damage you are responsible for; many owners choose at least $300,000.
No-fault medical payments for visitors, usually a few thousand dollars.
Storm and flood context for San Benito
In FEMA’s National Risk Index, Cameron County carries an overall rating of relatively high. Among individual perils, the top ratings go to hurricanes (very high), cold waves (very high) and hail (relatively high). NOAA’s Storm Events Database logs 30 hail reports in Cameron County from 2016 through 2025. Of these, 27 reached at least one inch in diameter. The top report was 3.01-inch hail on April 2, 2017.
San Benito 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. Your flood zone is a quick search away on the FEMA Flood Map Service Center.
Local resources for San Benito 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.
For county-level data, San Benito falls under Cameron County. Federal statistical definitions place Cameron County at the core of the Brownsville-Harlingen metro area. San Benito lies southeast of Harlingen, around 5 miles away in a straight line.
Common questions from San Benito homeowners
How old are homes in San Benito, and does that change my rate?
Half the homes were built by 1987, and roughly 40% are pre-1980, according to the Census Bureau. Many homes from this era are on a second roof, so the roof’s age and material are key rating factors.
What home details should I have ready for a San Benito quote?
The Cameron appraisal district website (www.cameroncad.org) lists square footage, year built and improvements for your property. Have those, plus your roof’s age and material, ready before you compare quotes.
Does homeowners insurance in San Benito cover flooding?
Flood is not part of a homeowners policy; it is bought separately through the NFIP or a private insurer. San Benito participates in the National Flood Insurance Program, and its current flood map took effect in February 2018. In Cameron County, about 1 in 10 homes has an NFIP policy. New NFIP policies usually take 30 days to start.
Are manufactured homes in San Benito insured differently?
Usually. Manufactured homes make up about 11% of housing units in San Benito. They are typically written on a manufactured home policy, and tie-downs, age and skirting can affect eligibility.
Request a San Benito homeowners quote
Compare carriers with Texas Insurance Resources. Call 800-875-4711 or request a quote online.
About the data
All public data on this page was pulled in October 2026. Census numbers are survey estimates. Premium figures in the estimate cards are illustrative models, not quotes.
- Texas property tax directory, Cameron County
- Census Bureau ACS five-year data, San Benito city: structure type, home value, year built, tenure, median year built, population
- Texas Windstorm Insurance Association
- OMB metro and micro areas
- Gazetteer (Census)
- County and state comparisons: Cameron County value, Cameron County build year
- FEMA National Risk Index, Cameron County
- NOAA NCEI storm reports, Cameron County
- Community Status Book (NFIP)
- NFIP data (OpenFEMA), Cameron County
- Comptroller 2024 regions