Home Insurance in Garden Ridge, Texas
With a median home value of $688,200, Garden Ridge is 61% higher than the Comal County median.
The typical home in Garden Ridge was built around 2001. About 1% of homes were built before 1960, about 4 points below Comal County's 6%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Housing in Garden Ridge breaks down to 100% single-family homes.
58% of owner-occupied homes in Garden Ridge carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 96% of occupied homes in Garden Ridge are owner-occupied. The vacancy rate is 2%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Garden Ridge, 50% of homes are primarily heated with natural gas.
Comal County had 1,931 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is inland flooding (Relatively High). 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.
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.
This area lists 3 licensed insurance agencies.
Key figures
| Median home value | $688,200 |
|---|---|
| Median year built | 2001 |
| Owner-occupied share | 96% |
| Share of owner-occupied homes with a mortgage | 58% |
| 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 Garden Ridge
- CANALICHIO INSURANCE GROUP, LLC, Garden Ridge (General Lines Agency)
- EDGE INSURANCE SERVICES LLC, Garden Ridge (General Lines Agency)
- MARLENN GUERRA INSURANCE AND FINANCIAL SERVICES INC, Garden Ridge (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)