Home Insurance in Hill Country Village, Texas
With a median home value of $1,203,900, Hill Country Village is 359% higher than the Bexar County median.
The typical home in Hill Country Village was built around 1984. About 16% of homes were built before 1960, in line with Bexar County (16%). Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Housing in Hill Country Village breaks down to 100% single-family homes.
In Hill Country Village, about 40% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
All occupied homes in Hill Country Village are owner-occupied. The vacancy rate is 11%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
49% of homes in Hill Country Village 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.
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 | $1,203,900 |
|---|---|
| Median year built | 1984 |
| Owner-occupied share | 100% |
| Share of owner-occupied homes with a mortgage | 40% |
| 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
- Hollywood Park
- Castle Hills
- Alamo Heights
- Balcones Heights
- Olmos Park
- Terrell Hills
- Windcrest
- 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)