Home Insurance in Balcones Heights, Texas
Homes in Balcones Heights carry a median value of $199,500 - 24% lower than the Bexar County median.
The typical home in Balcones Heights was built around 1973. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 14% of homes were built before 1960, about 1 point below Bexar County's 16%.
The housing stock in Balcones Heights is 21% single-family homes, 68% apartments in buildings with 5+ units and 3% mobile or manufactured homes.
About 13% of owner-occupied homes in Balcones Heights have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 14% of occupied homes in Balcones Heights are owner-occupied. The vacancy rate is 8%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
81% of homes in Balcones Heights are primarily heated with electricity.
Bexar County's top FEMA-rated hazard is hail (Very High), per FEMA's National Risk Index. Bexar County had 5,101 active NFIP flood policies as of September 2026. See the full Bexar County home insurance overview for all FEMA hazard ratings and flood coverage details.
The statewide average premium for a standard HO-3 homeowners policy in Texas is $2,864 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $199,500 |
|---|---|
| Median year built | 1973 |
| Owner-occupied share | 14% |
| Share of owner-occupied homes with a mortgage | 13% |
| 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
- San Antonio
- Castle Hills
- Olmos Park
- Leon Valley
- Alamo Heights
- Terrell Hills
- Hill Country Village
- Hollywood Park
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)