Home Insurance in Converse, Texas
The median home value in Converse is $248,400, 5% lower than the Bexar County median.
The typical home in Converse was built around 2003. About 1% of homes were built before 1960, about 15 points below Bexar County's 16%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Housing in Converse breaks down to 86% single-family homes, 11% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
69% of owner-occupied homes in Converse carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Converse has an owner-occupancy rate of 74% and a vacancy rate of 4%; unoccupied homes typically need a different coverage form.
In Converse, 72% 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.
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).
This area lists 4 licensed insurance agencies.
Key figures
| Median home value | $248,400 |
|---|---|
| Median year built | 2003 |
| Owner-occupied share | 74% |
| Share of owner-occupied homes with a mortgage | 69% |
| Top county hazard | Hail (Very High) |
| Active NFIP policies in Bexar County | 5,101 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Licensed insurance agencies in Converse
- FOR THE PEOPLE INSURANCE AGENCY LLC, Converse (Pers Lines Prop and Cas Agency)
- LARS NIELSEN INSURANCE AND FINANCIAL SERVICES, INC., Converse (General Lines Agency)
- POWERHOUSE UNITED GROUP INC, Converse (General Lines Agency)
- STEVE J GONZALES INSURANCE AGENCY LLC, Converse (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)