HomeInsuranceQts

Home Insurance in Bexar County, Texas

The median home value in Bexar County is $262,200, 8% lower than the Texas median.

The typical home in Bexar County was built around 1990. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 16% of homes were built before 1960, about 3 points above Texas's 12%.

The housing stock in Bexar County is 66% single-family homes, 25% apartments in buildings with 5+ units and 3% mobile or manufactured homes.

About 60% of owner-occupied homes in Bexar County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.

Bexar County has an owner-occupancy rate of 59% and a vacancy rate of 9%; unoccupied homes typically need a different coverage form.

In Bexar County, 70% of homes are primarily heated with electricity.

Per FEMA's National Risk Index, Bexar County's top hazards are hail (Very High), tornado (Very High) and inland flooding (Very High).

Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Bexar County has 5,101 active NFIP flood policies on file.

In Texas, the statewide average premium for a standard HO-3 homeowners policy is $2,864 per year (NAIC, 2023 data).

504 licensed insurance agencies are listed for this area.

Key figures

Median home value$262,200
Median year built1990
Owner-occupied share59%
Share of owner-occupied homes with a mortgage60%
Top hazards (FEMA National Risk Index)Hail (Very High), Tornado (Very High), Inland Flooding (Very High)
Active NFIP flood policies (county)5,101
Home insurance premium$2,864 - statewide average (NAIC, 2023 data)

Towns and cities

Smaller communities

Licensed insurance agencies in Bexar County

...and 444 more licensed agencies.

Data source: Texas Department of Insurance - licensed agencies, https://data.texas.gov/d/3yqc-fcdt

Sources