Texas homeowners losses · Cameron County
Cameron County has paid $2,836 per policy since 2019
From January 1, 2019 through the end of 2025, homeowners insurers paid a cumulative $2,836 per policy in Cameron County — $134,390,533 total against an average book of 47,386 policies. 0 of the last 7 years cleared $2,000 per policy — the line between an ordinary year of claims and a county-wide loss event. Wind and hail here are written separately by the Texas Windstorm Insurance Association and are not included in these figures.
Loss per policy, year by year
Dashed line marks $2,000 — the catastrophe-year thresholdWhat’s driving the losses
Share of paid losses by cause, 2019–2025CameronCounty sits inside the Texas Windstorm Insurance Association’s 14-county coastal service area. TWIA writes wind and hail coverage for property there directly, and this file excludes TWIA’s losses entirely — so the 49.3% wind share above understates actual wind risk; it is not evidence the county is safer from wind than a county twice its size.
Shares are summed across the full 2019–2025 window, not a single year, so one severe season cannot make a county’s peril mix look permanent when it was not. The largest cause in Cameron County over that window was wind.
Nearby on the list
Ranked by seven-year loss per policyAbout this page
Source: Texas Department of Insurance, “Texas homeowners losses by county”, drawn from the Texas Statistical Plan for Residential Risks, 2019–2025. Excludes renters, condo and dwelling policies, and excludes all wind and hail written by the Texas Windstorm Insurance Association in its 14 coastal counties.
This page exists because Cameron County averaged at least 5,000 policies in force over the window — enough for a seven-year ratio to mean something. TDI publishes county rows down to a handful of policies and divides by them anyway; below that floor a single large claim can swing the figure by an order of magnitude, so those counties are not given a page.
This is loss severity, not carrier behavior — there is no carrier column in this dataset. For which insurers draw the most confirmed complaints, and what those complaints were about, see the complaint index methodology.
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