Home Insurance in Cibolo, Texas
With a median home value of $351,900, Cibolo is 16% higher than the Guadalupe County median.
The typical home in Cibolo was built around 2008. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 1% of homes were built before 1960, about 6 points below Guadalupe County's 8%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Cibolo is 91% single-family homes, 5% apartments in buildings with 5+ units and 4% mobile or manufactured homes.
76% of owner-occupied homes in Cibolo carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 82% of occupied homes in Cibolo are owner-occupied. The vacancy rate is 6%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Cibolo, 91% of homes are primarily heated with electricity.
Guadalupe County's top FEMA-rated hazard is inland flooding (Relatively High), per FEMA's National Risk Index. Guadalupe County had 2,319 active NFIP flood policies as of September 2026. See the full Guadalupe 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.
4 licensed insurance agencies are listed for this area.
Key figures
| Median home value | $351,900 |
|---|---|
| Median year built | 2008 |
| Owner-occupied share | 82% |
| Share of owner-occupied homes with a mortgage | 76% |
| Top county hazard | Inland Flooding (Relatively High) |
| Active NFIP policies in Guadalupe County | 2,319 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Licensed insurance agencies in Cibolo
- CIBOLO SCHERTZ INSURANCE SERVICES, INC., Cibolo (General Lines Agency)
- FULLER INSURANCE AGENCY INC, Cibolo (General Lines Agency)
- MAGNOLIA LIFE & LEGACY INSURANCE PLLC, Cibolo (General Lines Agency)
- R.TACKETT INSURANCE AGENCY,LLC, Cibolo (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)