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Home Insurance in Timberwood Park, TX
Half of the homes in Timberwood Park were built in 2008 or earlier. Here is how the local housing stock shapes coverage and price.
What Timberwood Park housing looks like
Owners live in 86% of occupied homes, and detached single-family houses account for about 85% of the stock.
Why build year matters in Timberwood Park
Half of the housing in Timberwood Park dates from 2008 or earlier, per Census estimates. The split is roughly 2% pre-1980 construction versus 83% built from 2000 on. Newer construction tends to earn better pricing because roofs, wiring and plumbing are recent, and some carriers add a new-home credit for the first years.
$3,463/yr
About $289/mo · ~$300k-$400k dwelling class
$1,905/yr
About $159/mo after modeled shopping discount
About 45% below local market estimate
Setting the dwelling limit in Timberwood Park
Median home value: $510,600, according to the latest five-year Census survey. The Bexar County figure is lower, at $262,200. A home’s market value is a starting point only; the dwelling limit should reflect labor and materials to rebuild it at today’s prices.
The six parts of a Timberwood Park homeowners policy
Pays to rebuild the house itself. Set it from a replacement-cost estimate, not the sale price or tax value.
Fences and outbuildings. The default limit is often a percentage of Coverage A, which can be too low on larger lots. Larger lots and outbuildings are common here, so check the limit.
Furniture, clothing and electronics. Replacement-cost settlement pays more than actual cash value after a loss.
Extra living costs if a covered loss forces you out during repairs.
Covers lawsuits for injuries or property damage you are responsible for; many owners choose at least $300,000.
Guest medical coverage that can head off a liability claim.
Hazards Timberwood Park homes are exposed to
Taking all natural hazards together, FEMA rates Bexar County relatively high. The individual hazards that stand out are hail (very high), tornadoes (very high) and inland flooding (very high). Over the ten years from 2016 to 2025, NOAA recorded 294 hail events across Bexar County. In 242 cases the hail was an inch across or bigger. The biggest stones, 5.5 inches across, fell on May 3, 2021.
There is no TWIA option in Bexar County, so the homeowners carrier handles wind and hail, and its deductible for those perils can differ from the all-other-perils deductible. Look up your address on the FEMA Flood Map Service Center to see your flood zone.
Local resources for Timberwood Park homeowners
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.
The county for Timberwood Park is Bexar County. Bexar County forms part of the urban core of the San Antonio-New Braunfels metro. By straight-line distance, Timberwood Park is about 17 miles north of San Antonio.
FAQ: Timberwood Park home insurance
Are most homes in Timberwood Park old or new?
Half the homes were built by 2008, and roughly 2% are pre-1980, according to the Census Bureau. Newer homes often qualify for age-of-home credits and are easier to place with more carriers.
Does homeowners insurance in Timberwood Park cover flooding?
Flood is not part of a homeowners policy; it is bought separately through the NFIP or a private insurer. Only about 1 in 129 Bexar County homes carries NFIP coverage. New NFIP policies usually take 30 days to start.
What is a typical savings range when switching?
On this page we model a 45% gap between the local market estimate and our estimate for Timberwood Park. It is not a quote, and actual savings can be higher, lower or zero.
How do I check what the appraisal district has on file for my Timberwood Park home?
Start at www.bcad.org, the Bexar appraisal district site, for size, year built and improvement records. Add your roof replacement date and any updates to complete the picture.
Get a Timberwood Park home insurance quote
Compare carriers with Texas Insurance Resources. Call 800-875-4711 or request a quote online.
Sources for this Timberwood Park page
Public data current as of October 2026; Census figures are survey estimates. Premium figures in the estimate cards are illustrative models, not quotes.
- NOAA Storm Events Database, Bexar County
- FEMA National Risk Index, Bexar County
- Comptroller CAD listing, Bexar County
- Comptroller 2024 regions
- Census ACS 2020–2024, Timberwood Park CDP: home value, year built, population, median year built, tenure, structure type
- Texas Windstorm Insurance Association
- NFIP data (OpenFEMA), Bexar County
- Comparison figures: Bexar County value, Bexar County build year
- OMB metro and micro areas
- Gazetteer (Census)