Home Insurance in Olmos Park, Texas
With a median home value of $896,300, Olmos Park is 242% higher than the Bexar County median.
The typical home in Olmos Park was built around 1943. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 67% of homes were built before 1960, about 51 points above Bexar County's 16%.
The housing stock in Olmos Park is 69% single-family homes and 18% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
About 53% of owner-occupied homes in Olmos Park have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Olmos Park has an owner-occupancy rate of 84% and a vacancy rate of 15%; unoccupied homes typically need a different coverage form.
In Olmos Park, 51% 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.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Texas carries a statewide average premium of $2,864 per year.
Key figures
| Median home value | $896,300 |
|---|---|
| Median year built | 1943 |
| Owner-occupied share | 84% |
| Share of owner-occupied homes with a mortgage | 53% |
| 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
- Alamo Heights
- Terrell Hills
- San Antonio
- Balcones Heights
- Castle Hills
- Kirby
- Windcrest
- Hill Country Village
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)