Home Insurance in Spring Branch, Texas
The typical home in Spring Branch was built around 1948. About 60% of homes were built before 1960, about 54 points above Comal County's 6%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
The housing stock in Spring Branch is 78% single-family homes and 22% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 24% of owner-occupied homes in Spring Branch have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 42% of occupied homes in Spring Branch are owner-occupied. The vacancy rate is 2%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Spring Branch - 86% - 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 rates Comal County's overall risk as Relatively Moderate, led by inland flooding (Relatively High). 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).
7 licensed insurance agencies are listed for this area.
Key figures
| Median year built | 1948 |
|---|---|
| Owner-occupied share | 42% |
| Share of owner-occupied homes with a mortgage | 24% |
| 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 Spring Branch
- B&D INSURANCE SERVICES LLC, Spring Branch (General Lines Agency)
- CONSUMERS INSURANCE AGENCY, L.L.C., Spring Branch (General Lines Agency)
- HEN-CROW LIMITED LIABILITY COMPANY (LLC), Spring Branch (General Lines Agency)
- JK DEAN INSURANCE SERVICES, LLC, Spring Branch (General Lines Agency)
- RELIANT INSURANCE AGENCY LLC, Spring Branch (General Lines Agency)
- THE CHAFIN AGENCY, LLC, Spring Branch (General Lines Agency)
- TILTED T COMPANIES, LLC, Spring Branch (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)