Home Insurance in Fair Oaks Ranch, Texas
With a median home value of $657,600, Fair Oaks Ranch is 54% higher than the Comal County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Fair Oaks Ranch was built around 2002. About 0% of homes were built before 1960, about 6 points below Comal County's 6%.
The housing stock in Fair Oaks Ranch is 97% single-family homes and 3% apartments in buildings with 5+ units.
About 66% of owner-occupied homes in Fair Oaks Ranch have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 7%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 97% of occupied homes in Fair Oaks Ranch are owner-occupied.
Most homes in Fair Oaks Ranch - 77% - 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.
What's the biggest home insurance risk near Fair Oaks Ranch? FEMA's National Risk Index points to inland flooding (Relatively High) in Comal County and 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.
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).
Key figures
| Median home value | $657,600 |
|---|---|
| Median year built | 2002 |
| Owner-occupied share | 97% |
| Share of owner-occupied homes with a mortgage | 66% |
| 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) |
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)