Homeowners Insurance in San Antonio, TX

For a home at San Antonio's median value of $235,700, we estimate about $2,500 a year — −13% versus the Texas NAIC average of $2,864.

These are estimates, not quotes. Home figures are modeled from NAIC state averages, Census home values and FEMA hazard ratings for comparison only. We are not an insurance company or agency. How we estimate

Estimated homeowners insurance cost in San Antonio

Est. premium

$2,500

$208/mo · median home

Median home value

$235,700

Texas: $283,800

Median year built

1985

Census ACS

Owner-occupied

52.2%

of households

Hazard score

89.9

state ref. 87.6

San Antonio's estimate reflects its home values (17% lower than the state median) and FEMA's hazard profile for Bexar County.

Natural hazard risk in San Antonio

FEMA National Risk Index — Bexar County
Hazard	Risk rating	Score (0–100)	Insurance impact
Hail	Very High	99.9	Comprehensive (car); roof claims (home)
Tornado	Very High	99.9	Comprehensive; dwelling
Hurricane	Relatively Moderate	83.5	Comprehensive; wind/hurricane deductibles (home)
Inland (river) flooding	Very High	99.7	Comprehensive; home needs a separate flood policy
Coastal flooding	Not rated	—	Comprehensive; home needs a separate flood policy
Strong wind	Relatively High	87.1	Comprehensive; dwelling
Winter weather	Relatively High	88.3	Collision (icy roads); frozen pipes (home)
Wildfire	Relatively Moderate	92.4	Comprehensive; dwelling
Earthquake	Relatively Low	61.9	Home needs a separate earthquake policy
Lightning	Relatively High	96.5	Fire and electrical damage

Scores are national percentiles of FEMA's county risk (higher means more expected loss than most other U.S. counties).

Estimated premium by home value in San Antonio

Dwelling value	Wood frame	Brick / masonry
$200,000	$2,195	$2,020
$300,000	$3,035	$2,790
$500,000	$4,565	$4,200
$750,000	$6,315	$5,810

Home Insurance Estimator

Estimated annual premium

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Per month

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Homeowners insurance by ZIP code in San Antonio

ZIP	Median home value	Owner-occupied	Est. premium
78249	$305,400	51.0%	$3,080
78251	$268,300	50.8%	$2,775
78223	$172,600	57.6%	$1,950
78240	$257,500	34.4%	$2,685
78250	$235,000	73.1%	$2,495
78228	$174,900	59.3%	$1,970
78207	$106,700	40.3%	$1,325
78258	$480,500	54.9%	$4,425
78247	$275,500	77.1%	$2,835
78233	$220,800	60.4%	$2,375
78227	$159,700	59.0%	$1,835
78209	$497,000	50.0%	$4,545
78221	$171,200	70.2%	$1,940
78201	$197,800	48.6%	$2,175
78230	$386,600	49.0%	$3,720
78216	$310,700	35.2%	$3,120
78213	$216,400	48.8%	$2,335
78218	$190,900	48.2%	$2,115
78244	$216,300	73.5%	$2,335
78237	$115,500	61.3%	$1,415
78232	$362,000	55.9%	$3,525
78242	$148,200	53.6%	$1,725
78229	$228,900	13.8%	$2,445
78210	$189,400	60.8%	$2,100
78217	$242,300	44.7%	$2,560
78211	$118,300	60.9%	$1,440
78259	$380,800	64.7%	$3,675
78212	$330,600	46.6%	$3,280
78222	$199,500	71.5%	$2,190
78238	$209,700	44.8%	$2,280
78224	$162,200	57.7%	$1,855
78214	$128,800	56.5%	$1,545
78220	$143,700	52.7%	$1,685
78219	$162,000	53.9%	$1,855
78248	$479,500	72.9%	$4,415
78256	$579,300	29.5%	$5,140
78225	$119,600	64.8%	$1,455
78204	$173,100	45.3%	$1,955
78257	$670,400	36.4%	$5,775
78202	$234,700	55.8%	$2,495
78231	$401,800	66.2%	$3,835
78226	$107,100	37.8%	$1,330
78203	$158,000	45.1%	$1,815
78208	$146,600	32.5%	$1,710
78215	$476,500	2.3%	$4,395
78205	$604,600	9.3%	$5,315

Homeowners insurance in Texas · Car insurance in San Antonio · Insurance offices near San Antonio

Frequently asked questions

How much is homeowners insurance in San Antonio?

For a home at San Antonio's median value of $235,700, we estimate about $2,500 a year for a standard HO-3 policy with a $1,000 deductible. The Texas NAIC average is $2,864.

What are the biggest natural hazards in San Antonio?

FEMA's National Risk Index rates Bexar County relatively high or very high for hail, tornado, inland (river) flooding, strong wind, winter weather, and lightning.

Does the age of homes in San Antonio affect insurance?

Yes. The median home in San Antonio was built in 1985 (Census ACS). Older roofs, wiring and plumbing can raise premiums or require inspections, while updates often earn discounts.

How we estimate this

We start from the NAIC average homeowners (HO-3) premium for Texas, scale it by the ratio of the dwelling value to the state median home value, adjust for construction type and deductible, and apply a hazard factor from FEMA National Risk Index scores for Bexar County relative to the state. Results are rounded estimates, not quotes. Read the full methodology.

Sources used on this page