HomeInsuranceQts

Home Insurance in San Antonio, Texas

Homes in San Antonio carry a median value of $235,700 - 10% lower than the Bexar County median.

The typical home in San Antonio was built around 1985. About 19% of homes were built before 1960, about 4 points above Bexar County's 16%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.

The housing stock in San Antonio is 61% single-family homes, 30% apartments in buildings with 5+ units and 1% mobile or manufactured homes.

In San Antonio, about 56% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.

The vacancy rate is 10%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 52% of occupied homes in San Antonio are owner-occupied.

70% of homes in San Antonio are primarily heated with electricity.

What's the biggest home insurance risk near San Antonio? FEMA's National Risk Index points to hail (Very High) in Bexar County and 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).

460 licensed insurance agencies serve this area.

Key figures

Median home value$235,700
Median year built1985
Owner-occupied share52%
Share of owner-occupied homes with a mortgage56%
Top county hazardHail (Very High)
Active NFIP policies in Bexar County5,101
Home insurance premium$2,864 - statewide average (NAIC, 2023 data)
Key home insurance figures for San Antonio, TX

Licensed insurance agencies in San Antonio

...and 400 more licensed agencies.

Data source: Texas Department of Insurance - licensed agencies, https://data.texas.gov/d/3yqc-fcdt

Nearby towns

Sources

Data last updated: 2026-09-29