HomeInsuranceQts

Home Insurance in Boerne, Texas

The median home value in Boerne is $457,900, 11% lower than the Kendall 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 Boerne was built around 2006. About 7% of homes were built before 1960, in line with Kendall County (7%).

In Boerne, the housing stock is 76% single-family homes, 19% apartments in buildings with 5+ units and 2% mobile or manufactured homes.

About 67% of owner-occupied homes in Boerne have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.

About 65% of occupied homes in Boerne are owner-occupied. The vacancy rate is 8%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.

Most homes in Boerne - 75% - are primarily heated with electricity.

What's the biggest home insurance risk near Boerne? FEMA's National Risk Index points to hail (Relatively Moderate) in Kendall County and Kendall County had 441 active NFIP flood policies as of September 2026. See the full Kendall County home insurance overview for all FEMA hazard ratings and flood coverage details.

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).

36 licensed insurance agencies are listed for this area.

Key figures

Median home value$457,900
Median year built2006
Owner-occupied share65%
Share of owner-occupied homes with a mortgage67%
Top county hazardHail (Relatively Moderate)
Active NFIP policies in Kendall County441
Home insurance premium$2,864 - statewide average (NAIC, 2023 data)
Key home insurance figures for Boerne, TX

Licensed insurance agencies in Boerne

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

Nearby towns

Sources

Data last updated: 2026-09-29