Home Insurance in Schertz, Texas
Homes in Schertz carry a median value of $317,100 - close to the Guadalupe County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Schertz was built around 2002. About 5% of homes were built before 1960, about 3 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 Schertz is 87% single-family homes, 8% apartments in buildings with 5+ units and 3% mobile or manufactured homes.
In Schertz, about 69% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Schertz has an owner-occupancy rate of 78% and a vacancy rate of 4%; unoccupied homes typically need a different coverage form.
In Schertz, 81% 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.
9 licensed insurance agencies serve this area.
Key figures
| Median home value | $317,100 |
|---|---|
| Median year built | 2002 |
| Owner-occupied share | 78% |
| Share of owner-occupied homes with a mortgage | 69% |
| 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 Schertz
- ALL TEXAS STATE INSURANCE LLC, Schertz (General Lines Agency)
- COLOMBO INSURANCE AGENCY LLC, Schertz (General Lines Agency)
- JOHN RIOJAS INSURANCE AGENCY LLC, Schertz (General Lines Agency)
- L4 CONSULTANTS, L.L.C., Schertz (General Lines Agency)
- NATHAN OBREGON INSURANCE AGENCY, INC., Schertz (General Lines Agency)
- REYNOSO AGENCY, PLLC, Schertz (General Lines Agency)
- STEVEN GARZA INSURANCE AGENCY, INC, Schertz (General Lines Agency)
- THE DESCHAMPS AGENCY, LLC, Schertz (General Lines Agency)
- THE RODRIGUEZ INSURANCE SOLUTIONS GROUP, LLC, Schertz (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)