HomeInsuranceQts

Home Insurance in New Braunfels, Texas

The median home value in New Braunfels is $339,400, 21% lower than the Comal County median.

The typical home in New Braunfels was built around 2006. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 8% of homes were built before 1960, about 2 points above Comal County's 6%.

Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in New Braunfels is 72% single-family homes, 19% apartments in buildings with 5+ units and 4% mobile or manufactured homes.

About 64% of owner-occupied homes in New Braunfels have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.

About 65% of occupied homes in New Braunfels are owner-occupied. The vacancy rate is 8%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.

78% of homes in New Braunfels are primarily heated with electricity.

What's the biggest home insurance risk near New Braunfels? 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).

49 licensed insurance agencies are listed for this area.

Key figures

Median home value$339,400
Median year built2006
Owner-occupied share65%
Share of owner-occupied homes with a mortgage64%
Top county hazardInland Flooding (Relatively High)
Active NFIP policies in Comal County1,931
Home insurance premium$2,864 - statewide average (NAIC, 2023 data)
Key home insurance figures for New Braunfels, TX

Licensed insurance agencies in New Braunfels

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

Nearby towns

Sources

Data last updated: 2026-09-29