HomeInsuranceQts

Home Insurance in Comal County, Texas

Homes in Comal County carry a median value of $427,200 - 51% higher than the Texas median.

Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Comal County was built around 2005. About 6% of homes were built before 1960, about 7 points below Texas's 12%.

Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Comal County is 77% single-family homes, 12% apartments in buildings with 5+ units and 8% mobile or manufactured homes.

In Comal County, about 61% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.

The vacancy rate is 8%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 77% of occupied homes in Comal County are owner-occupied.

Most homes in Comal County - 76% - are primarily heated with electricity. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.

FEMA's National Risk Index lists inland flooding (Relatively High), hail (Relatively High) and tornado (Relatively High) as the leading hazards for Comal County.

As of September 2026, Comal County has 1,931 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.

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).

71 licensed insurance agencies are listed for this area.

Key figures

Median home value$427,200
Median year built2005
Owner-occupied share77%
Share of owner-occupied homes with a mortgage61%
Top hazards (FEMA National Risk Index)Inland Flooding (Relatively High), Hail (Relatively High), Tornado (Relatively High)
Active NFIP flood policies (county)1,931
Home insurance premium$2,864 - statewide average (NAIC, 2023 data)

Towns and cities

Licensed insurance agencies in Comal County

...and 11 more licensed agencies.

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

Sources