Home Insurance in Alamo Heights, Texas
Homes in Alamo Heights carry a median value of $779,400 - 197% higher than the Bexar County median.
The typical home in Alamo Heights was built around 1950. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 55% of homes were built before 1960, about 39 points above Bexar County's 16%.
Housing in Alamo Heights breaks down to 71% single-family homes and 20% apartments in buildings with 5+ units.
About 59% of owner-occupied homes in Alamo Heights have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 74% of occupied homes in Alamo Heights are owner-occupied. The vacancy rate is 15%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Alamo Heights, 48% of homes are primarily heated with electricity.
Bexar County had 5,101 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hail (Very High). See the full Bexar 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).
Key figures
| Median home value | $779,400 |
|---|---|
| Median year built | 1950 |
| Owner-occupied share | 74% |
| Share of owner-occupied homes with a mortgage | 59% |
| Top county hazard | Hail (Very High) |
| Active NFIP policies in Bexar County | 5,101 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Nearby towns
- Olmos Park
- Terrell Hills
- San Antonio
- Castle Hills
- Balcones Heights
- Kirby
- Windcrest
- Hill Country Village
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)