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Home Insurance in Alamo Heights, TX
Side-by-side numbers for Alamo Heights, Bexar County and the state, covering housing, hazards and flood insurance.
$3,315/yr
About $276/mo · ~$300k-$400k dwelling class
$2,085/yr
About $174/mo after modeled shopping discount
About 37.1% below local market estimate
How Alamo Heights homes compare
| Measure | Alamo Heights | Bexar County | Texas |
|---|---|---|---|
| Median home value | $779,400 | $262,200 | $283,800 |
| Median year built | – | 1990 | 1992 |
| Owner-occupied homes | 74% | 59% | 63% |
| Single-family detached | 67% | 64% | 64% |
| Built before 1980 | 74% | 36% | 33% |
| Built 2000 or later | 12% | 39% | 39% |
| Manufactured homes | less than 1% | 3% | 6% |
74% of occupied homes are owner-occupied in Alamo Heights, above the Bexar County share of 59%.
The median owner-estimated home value in Alamo Heights is $779,400. That sits above the county-wide median of $262,200. Land value is part of a sale price but not of a rebuild, so the right Coverage A figure can be well above or below market value.
Hazard ratings for Bexar County
| Hazard | FEMA NRI rating | NOAA reports, 2016–2025 |
|---|---|---|
| Hail | Very High | 294 hail reports |
| Tornadoes | Very High | 5 tornadoes |
| Strong wind | Relatively High | 95 thunderstorm wind reports |
| Inland flooding | Very High | 174 flash floods |
| Hurricanes | Relatively Moderate | – |
| Wildfire | Relatively Moderate | – |
| Winter weather | Relatively High | – |
| Drought | Relatively Moderate | – |
| Lightning | Relatively High | – |
Bexar County lands in the relatively high category of FEMA’s National Risk Index. Hazard by hazard, the strongest scores are for hail (very high), tornadoes (very high) and inland flooding (very high).
Bexar County appears in 7 presidential major disaster declarations for weather and other natural hazards from 2000 onward. Recent ones: Severe Winter Storms (2021), Hurricane Harvey (2017) and Hurricane Dolly (2008).
What the comparison means for your policy
- Bexar County is outside TWIA’s designated catastrophe area, so wind and hail are normally covered by the homeowners policy itself, often with a separate percentage deductible.
- Because Alamo Heights is an NFIP participating community, homeowners can buy National Flood Insurance Program coverage. Its current effective flood map dates to June 2020. In Bexar County, roughly 1 home in 129 has federal flood coverage (4,411 residential policies in force). Policyholders in the county have filed 275 NFIP claims since 2016. Standard homeowners policies exclude flood, and a new NFIP policy generally has a 30-day waiting period.
- Roughly 74% of the housing stock predates 1980 and 12% is from 2000 onward. Older homes can carry original wiring, galvanized or cast-iron plumbing and roofs on their second or third replacement, and underwriters ask about all three.
Where to verify Alamo Heights details
Insurers often check the appraisal district record, so confirm that what the Bexar district shows at www.bcad.org matches your home. Its office is at 411 N. Frio St. San Antonio, TX 78207-4416. Alamo Heights is covered by the NWS Austin/San Antonio, TX forecast office, which issues local watches and warnings. Radar coverage comes from the KEWX site.
Bexar County is home to Alamo Heights. Federal statistical definitions place Bexar County at the core of the San Antonio-New Braunfels metro area. Head about 4 miles from Alamo Heights and you reach San Antonio, the nearest larger city.
Questions Alamo Heights homeowners ask
What does FEMA’s risk index say about Bexar County?
FEMA’s National Risk Index rates overall risk in Bexar County as relatively high. The top-rated hazards are hail (very high), tornadoes (very high) and inland flooding (very high). Those are the perils to ask about when you compare deductibles and endorsements.
Has Alamo Heights been part of a FEMA disaster declaration?
Since 2000, FEMA has declared 7 natural-hazard major disasters that include Bexar County. The most recent was Severe Winter Storms, declared in February 2021. Disaster aid rarely covers a full rebuild, which is why adequate limits matter.
Can I get TWIA windstorm coverage in Alamo Heights?
No. TWIA only writes in the 14 first-tier coastal counties and part of Harris County, and Bexar County is not among them. Your homeowners carrier covers wind and hail.
Can I get competitive quotes in Alamo Heights from carriers outside the area?
Yes. Pricing depends on your address and home, not the agent’s office. Whether you are in Alamo Heights or San Antonio, about 4 miles away, an independent agency can shop multiple carriers remotely.
Request an Alamo Heights homeowners quote
Talk to a licensed Texas Insurance Resources agent at 800-875-4711, or get a quote online.
About the data
Public data current as of October 2026; Census figures are survey estimates. The two price cards are modeled estimates from Texas Insurance Resources, not quotes.
- Benchmarks: Bexar County value, Bexar County build year, Texas value
- National Risk Index (FEMA), Bexar County
- OpenFEMA NFIP data, Bexar County
- NWS Austin/San Antonio, TX
- Census metro delineation
- Census Gazetteer coordinates
- Texas Comptroller regions
- Census Bureau ACS five-year data, Alamo Heights city: home value, year built, structure type, tenure, population, median year built
- FEMA declared disasters, Bexar County
- Comptroller CAD listing, Bexar County
- Community Status Book (NFIP)
- Texas Windstorm Insurance Association
- Storm Events Database (NOAA), Bexar County