Home Insurance in Guadalupe County, Texas
With a median home value of $304,400, Guadalupe County is 7% higher than the Texas median.
The typical home in Guadalupe County was built around 2003. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 8% of homes were built before 1960, about 5 points below Texas's 12%.
The housing stock in Guadalupe County is 79% single-family homes, 5% apartments in buildings with 5+ units and 13% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Guadalupe County, about 61% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Guadalupe County has an owner-occupancy rate of 78% and a vacancy rate of 6%; unoccupied homes typically need a different coverage form.
In Guadalupe County, 85% of homes are primarily heated with electricity.
The top hazards for Guadalupe County, per FEMA's National Risk Index, are inland flooding (Relatively High), tornado (Relatively High) and hail (Relatively Moderate).
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Guadalupe County has 2,319 active NFIP flood policies on file.
In Texas, the statewide average premium for a standard HO-3 homeowners policy is $2,864 per year (NAIC, 2023 data).
This area lists 31 licensed insurance agencies.
Key figures
| Median home value | $304,400 |
|---|---|
| Median year built | 2003 |
| Owner-occupied share | 78% |
| Share of owner-occupied homes with a mortgage | 61% |
| Top hazards (FEMA National Risk Index) | Inland Flooding (Relatively High), Tornado (Relatively High), Hail (Relatively Moderate) |
| Active NFIP flood policies (county) | 2,319 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Towns and cities
Licensed insurance agencies in Guadalupe County
- A.M.A. UNITED TRANSPORT SERVICES, LLC, Mcqueeney (General Lines Agency)
- AH INSURANCE AGENCY INC, Seguin (General Lines Agency)
- ALL TEXAS STATE INSURANCE LLC, Schertz (General Lines Agency)
- BIGGS & ASSOCIATES AGENCY, LLC, Seguin (General Lines Agency)
- BRANDON TORRES INSURANCE AGENCY, INC, Seguin (General Lines Agency)
- CCV SECURE LLC, Seguin (General Lines Agency)
- CIBOLO SCHERTZ INSURANCE SERVICES, INC., Cibolo (General Lines Agency)
- CINCOTT BENEFIT SOLUTIONS, INC., Seguin (Pers Lines Prop and Cas Agency)
- COLOMBO INSURANCE AGENCY LLC, Schertz (General Lines Agency)
- DONEGAN INSURANCE AGENCY, INC., Seguin (General Lines Agency)
- DYLAN POWELL LLC, Seguin (General Lines Agency)
- FARRIS COUNSULTING GROUP LLC, Seguin (General Lines Agency)
- FULLER INSURANCE AGENCY INC, Cibolo (General Lines Agency)
- JENNIFER JO HENDRICK, LLC, Seguin (General Lines Agency)
- JOHN RIOJAS INSURANCE AGENCY LLC, Schertz (General Lines Agency)
- KDJ INSURANCE AGENCY INC, Marion (General Lines Agency)
- L4 CONSULTANTS, L.L.C., Schertz (General Lines Agency)
- LBS INSURANCE GROUP, INC., Seguin (General Lines Agency)
- LOCHTE INSURANCE AGENCY, INC., Seguin (General Lines Agency)
- MAGNOLIA LIFE & LEGACY INSURANCE PLLC, Cibolo (General Lines Agency)
- MCGAHA INSURANCE AGENCY, LLC, Seguin (General Lines Agency)
- NATHAN OBREGON INSURANCE AGENCY, INC., Schertz (General Lines Agency)
- R.TACKETT INSURANCE AGENCY,LLC, Cibolo (General Lines Agency)
- REYES & FAMILY INSURANCE AGENCY, LLC, Seguin (General Lines Agency)
- REYNOSO AGENCY, PLLC, Schertz (General Lines Agency)
- SCHAEFER CROP INSURANCE SERVICES INC, Seguin (General Lines Agency)
- STEVEN GARZA INSURANCE AGENCY, INC, Schertz (General Lines Agency)
- TAT MANAGEMENT GROUP LLC, Seguin (General Lines Agency)
- THE DESCHAMPS AGENCY, LLC, Schertz (General Lines Agency)
- THE RODRIGUEZ INSURANCE SOLUTIONS GROUP, LLC, Schertz (General Lines Agency)
- WKI, LLC, Seguin (General Lines Agency)
Data source: Texas Department of Insurance - licensed agencies, https://data.texas.gov/d/3yqc-fcdt
Sources
- 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)