Home Insurance in Universal City, Texas
The median home value in Universal City is $269,600, close to 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 Universal City was built around 1984. About 5% of homes were built before 1960, about 11 points below Bexar County's 16%.
The housing stock in Universal City is 65% single-family homes, 26% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
In Universal City, about 59% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Universal City has an owner-occupancy rate of 57% and a vacancy rate of 3%; unoccupied homes typically need a different coverage form.
In Universal City, 59% of homes 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.
In Texas, the statewide average premium for a standard HO-3 homeowners policy is $2,864 per year (NAIC, 2023 data).
4 licensed insurance agencies serve this area.
Key figures
| Median home value | $269,600 |
|---|---|
| Median year built | 1984 |
| Owner-occupied share | 57% |
| Share of owner-occupied homes with a mortgage | 59% |
| 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 Universal City
- M.I.G. BROKERAGE, LLC, Universal City (General Lines Agency)
- POLICYPRO, INC., Universal City (Pers Lines Prop and Cas Agency)
- RBFCU INSURANCE AGENCY LLC, Universal City (General Lines Agency)
- STONE INSURANCE SERVICES LLC, Universal City (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)