HomeInsuranceQts

Home Insurance in Kendall County, Texas

With a median home value of $512,700, Kendall County is 81% higher than the Texas median.

The typical home in Kendall County was built around 2002. About 7% of homes were built before 1960, about 6 points below Texas's 12%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.

The housing stock in Kendall County is 81% single-family homes, 9% apartments in buildings with 5+ units and 7% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.

About 55% of owner-occupied homes in Kendall County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.

Kendall County has an owner-occupancy rate of 79% and a vacancy rate of 8%; unoccupied homes typically need a different coverage form.

Most homes in Kendall County - 74% - 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's National Risk Index lists hail (Relatively Moderate), wildfire (Relatively Low) and winter weather (Relatively Moderate) as the leading hazards for Kendall County.

Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Kendall County has 441 active NFIP flood policies on file.

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.

37 licensed insurance agencies serve this area.

Key figures

Median home value$512,700
Median year built2002
Owner-occupied share79%
Share of owner-occupied homes with a mortgage55%
Top hazards (FEMA National Risk Index)Hail (Relatively Moderate), Wildfire (Relatively Low), Winter Weather (Relatively Moderate)
Active NFIP flood policies (county)441
Home insurance premium$2,864 - statewide average (NAIC, 2023 data)

Towns and cities

Licensed insurance agencies in Kendall County

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

Sources