Home Insurance in Elmendorf, Texas
Homes in Elmendorf carry a median value of $161,300 - 38% lower than the Bexar County median.
The typical home in Elmendorf was built around 1994. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 8% of homes were built before 1960, about 8 points below Bexar County's 16%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Elmendorf is 47% single-family homes and 43% mobile or manufactured homes.
About 39% of owner-occupied homes in Elmendorf have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Elmendorf has an owner-occupancy rate of 83% and a vacancy rate of 4%; unoccupied homes typically need a different coverage form.
Most homes in Elmendorf - 80% - 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.
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 | $161,300 |
|---|---|
| Median year built | 1994 |
| Owner-occupied share | 83% |
| Share of owner-occupied homes with a mortgage | 39% |
| 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
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)