Home Insurance in Terrell Hills, Texas
Homes in Terrell Hills carry a median value of $838,400 - 220% higher than the Bexar County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Terrell Hills was built around 1957. About 62% of homes were built before 1960, about 46 points above Bexar County's 16%.
Housing in Terrell Hills breaks down to 93% single-family homes and 4% apartments in buildings with 5+ units.
In Terrell Hills, about 49% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Terrell Hills has an owner-occupancy rate of 81% and a vacancy rate of 6%; unoccupied homes typically need a different coverage form.
57% of homes in Terrell Hills are primarily heated with natural gas.
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.
In Texas, the statewide average premium for a standard HO-3 homeowners policy is $2,864 per year (NAIC, 2023 data).
Key figures
| Median home value | $838,400 |
|---|---|
| Median year built | 1957 |
| Owner-occupied share | 81% |
| Share of owner-occupied homes with a mortgage | 49% |
| 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
- Olmos Park
- Kirby
- Windcrest
- San Antonio
- Castle Hills
- Balcones Heights
- 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)