Home Insurance in Windcrest, Texas
The median home value in Windcrest is $302,000, 15% higher than the Bexar County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Windcrest was built around 1973. About 5% of homes were built before 1960, about 11 points below Bexar County's 16%.
In Windcrest, the housing stock is 93% single-family homes and 4% apartments in buildings with 5+ units.
About 58% of owner-occupied homes in Windcrest have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 87% of occupied homes in Windcrest are owner-occupied. The vacancy rate is 9%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
59% of homes in Windcrest are primarily heated with natural gas.
Bexar County's top FEMA-rated hazard is hail (Very High), per FEMA's National Risk Index. 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.
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.
9 licensed insurance agencies are listed for this area.
Key figures
| Median home value | $302,000 |
|---|---|
| Median year built | 1973 |
| Owner-occupied share | 87% |
| Share of owner-occupied homes with a mortgage | 58% |
| 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 Windcrest
- BRIANA NICHOLSON LLC, Windcrest (General Lines Agency)
- EANES INSURANCE AGENCY INC, Windcrest (General Lines Agency)
- FIDELITY BENEFITS & INSURANCE SERVICES LLC, Windcrest (General Lines Agency)
- GONZALEZ INSURANCE & FINANCIAL SERVICES LLC, Windcrest (General Lines Agency)
- LEGACYRISKGROUP, LLC, Windcrest (General Lines Agency)
- MAYNOR AGENCY LLC, Windcrest (General Lines Agency)
- RANDLE INSURANCE AGENCY, INC, Windcrest (General Lines Agency)
- TRUINSURE CORPORATION, Windcrest (General Lines Agency)
- TRUTELA INSURANCE, LLC, Windcrest (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)