Home Insurance in Bulverde, Texas
Homes in Bulverde carry a median value of $420,200 - close to the Comal 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 Bulverde was built around 1996. About 0% of homes were built before 1960, about 5 points below Comal County's 6%.
The housing stock in Bulverde is 95% single-family homes and 5% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 51% of owner-occupied homes in Bulverde have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Bulverde has an owner-occupancy rate of 92% and a vacancy rate of 3%; unoccupied homes typically need a different coverage form.
Most homes in Bulverde - 70% - 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.
Comal County's top FEMA-rated hazard is inland flooding (Relatively High), per FEMA's National Risk Index. Comal County had 1,931 active NFIP flood policies as of September 2026. See the full Comal County home insurance overview for all FEMA hazard ratings and flood coverage details. Flood damage is excluded from a standard homeowners policy.
In Texas, the statewide average premium for a standard HO-3 homeowners policy is $2,864 per year (NAIC, 2023 data).
7 licensed insurance agencies are listed for this area.
Key figures
| Median home value | $420,200 |
|---|---|
| Median year built | 1996 |
| Owner-occupied share | 92% |
| Share of owner-occupied homes with a mortgage | 51% |
| Top county hazard | Inland Flooding (Relatively High) |
| Active NFIP policies in Comal County | 1,931 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Licensed insurance agencies in Bulverde
- DARKHORSE INSURANCE SOLUTIONS LLC, Bulverde (General Lines Agency)
- L. PALOMO INSURANCE AND FINANCIAL SERVICES, INC., Bulverde (General Lines Agency)
- LONE STAR DIRECT INSURANCE AGENCY LLC, Bulverde (General Lines Agency)
- MARTINEZ INDEPENDENT INSURANCE GROUP LLC, Bulverde (General Lines Agency)
- SOUTH TEXAS INSURANCE SERVICES LLC, Bulverde (General Lines Agency)
- STRATEGIC RISK SPECIALISTS, LLC, Bulverde (General Lines Agency)
- TIA HOLDINGS, INC., Bulverde (General Lines Agency)
Data source: Texas Department of Insurance - licensed agencies, https://data.texas.gov/d/3yqc-fcdt
Nearby towns
- Spring Branch
- Fair Oaks Ranch
- Hollywood Park
- Garden Ridge
- Hill Country Village
- Selma
- Live Oak
- Universal City
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)