Home Insurance in Bandera, Texas
The median home value in Bandera is $238,800, 14% lower than the Bandera County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Bandera was built around 1986. About 29% of homes were built before 1960, about 18 points above Bandera County's 10%.
The housing stock in Bandera is 71% single-family homes, 16% apartments in buildings with 5+ units and 2% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
About 18% of owner-occupied homes in Bandera have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 56% of occupied homes in Bandera are owner-occupied. The vacancy rate is 21%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Bandera - 85% - are primarily heated with electricity. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
What's the biggest home insurance risk near Bandera? FEMA's National Risk Index points to wildfire (Relatively Low) in Bandera County and Bandera County had 268 active NFIP flood policies as of September 2026. See the full Bandera County home insurance overview for all FEMA hazard ratings and flood coverage details.
In Texas, the statewide average premium for a standard HO-3 homeowners policy is $2,864 per year (NAIC, 2023 data).
This area lists 2 licensed insurance agencies.
Key figures
| Median home value | $238,800 |
|---|---|
| Median year built | 1986 |
| Owner-occupied share | 56% |
| Share of owner-occupied homes with a mortgage | 18% |
| Top county hazard | Wildfire (Relatively Low) |
| Active NFIP policies in Bandera County | 268 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Licensed insurance agencies in Bandera
- JOE W MCMULLAN INSURANCE AGENCY INC, Bandera (General Lines Agency)
- MACNAUGHTON INSURANCE AGENCY, INC., Bandera (General Lines Agency)
Data source: Texas Department of Insurance - licensed agencies, https://data.texas.gov/d/3yqc-fcdt
Nearby towns
Sources
Data last updated: 2026-09-29
- U.S. Census Bureau Gazetteer Files (2024)
- U.S. Census Bureau, American Community Survey 2020-2024 5-Year Estimates (2024)
- FEMA National Risk Index (December 2025)
- FEMA OpenFEMA NFIP Redacted Policies v3 (2026)
- NAIC Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owners Insurance: Data for 2023 (published 2026) (2023)
- Texas Department of Insurance - licensed agencies (2026)