Home Insurance in Helotes, Texas
With a median home value of $399,000, Helotes is 52% higher than the Bexar County median.
The typical home in Helotes was built around 2006. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 1% of homes were built before 1960, about 15 points below Bexar County's 16%.
Housing in Helotes breaks down to 99% single-family homes and 1% mobile or manufactured homes.
About 65% of owner-occupied homes in Helotes have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Helotes has an owner-occupancy rate of 97% and a vacancy rate of 5%; unoccupied homes typically need a different coverage form.
In Helotes, 50% of homes are primarily heated with electricity.
FEMA rates Bexar County's overall risk as Relatively High, led by hail (Very High). 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.
In Texas, the statewide average premium for a standard HO-3 homeowners policy is $2,864 per year (NAIC, 2023 data).
14 licensed insurance agencies serve this area.
Key figures
| Median home value | $399,000 |
|---|---|
| Median year built | 2006 |
| Owner-occupied share | 97% |
| Share of owner-occupied homes with a mortgage | 65% |
| 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 Helotes
- BSS INSURANCE AGENCY, LLC, Helotes (General Lines Agency)
- CASTANEDA INSURANCE SERVICES, LLC, Helotes (General Lines Agency)
- COPASA INSURANCE GROUP USA, LLC., Helotes (General Lines Agency)
- DENA INSURANCE AGENCY LLC, Helotes (General Lines Agency)
- HABY INSURANCE AGENCY LLC, Helotes (General Lines Agency)
- JAYE GROUP INC, Helotes (General Lines Agency)
- KEYSTONE INSURANCE SOLUTIONS, LLC, Helotes (General Lines Agency)
- NEXT LEVEL INSURANCE SOLUTIONS LLC, Helotes (General Lines Agency)
- NOAH PIERCE INSURANCE AGENCY, INC., Helotes (General Lines Agency)
- OLIVE BRANCH BROKERAGE LLC, Helotes (General Lines Agency)
- RIGHTEOUS GROUP LLC, Helotes (General Lines Agency)
- RUSSELL KOEHLER INSURANCE AGENCY INC., Helotes (General Lines Agency)
- THE SOSSO GROUP L L C, Helotes (General Lines Agency)
- VILLAGE INSURANCE AGENCY INC, Helotes (General Lines Agency)
Data source: Texas Department of Insurance - licensed agencies, https://data.texas.gov/d/3yqc-fcdt
Nearby towns
- Grey Forest
- Leon Valley
- Balcones Heights
- Castle Hills
- Hill Country Village
- Hollywood Park
- Fair Oaks Ranch
- San Antonio
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)