Home Insurance in Selma, Texas
With a median home value of $313,900, Selma is 20% higher than the Bexar County median.
The typical home in Selma was built around 2010. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 0% of homes were built before 1960, about 15 points below Bexar County's 16%.
In Selma, the housing stock is 77% single-family homes and 17% apartments in buildings with 5+ units.
About 80% of owner-occupied homes in Selma have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 64% of occupied homes in Selma are owner-occupied. The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Selma, 93% 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.
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).
2 licensed insurance agencies are listed for this area.
Key figures
| Median home value | $313,900 |
|---|---|
| Median year built | 2010 |
| Owner-occupied share | 64% |
| Share of owner-occupied homes with a mortgage | 80% |
| 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 Selma
- KENT POWERSPORTS II GP, LLC, Selma (General Lines Agency)
- TRUCKSURE INSURANCE AGENCY LLC, Selma (General Lines Agency)
Data source: Texas Department of Insurance - licensed agencies, https://data.texas.gov/d/3yqc-fcdt
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)
- Texas Department of Insurance - licensed agencies (2026)