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Home Insurance in Boerne, TX

Shopping for coverage in Boerne? Work through these steps in order and you will compare quotes on equal terms.

San Antonio areaKendall CountyStep-by-step guide

A six-step plan for insuring a Boerne home

  1. Start with the appraisal record. Your property record, including square footage and year built, is on the Kendall appraisal district site at www.kendallad.org (phone 830-249-8012). Its office is at 118 Market Ave. Boerne, TX 78006-3004.
  2. Set the dwelling limit from rebuild cost. Owners in Boerne put the median value of their homes at $457,900. That is close to the Kendall County median of $512,700. Your dwelling limit should be built from square footage, materials and local labor costs rather than what the house would sell for.
  3. Choose a wind and hail deductible. Kendall County had 45 hail reports in NOAA’s storm records for 2016 through 2025. Quarter-size or larger stones, an inch and up, appear in 40 of them. The top report was 2.75-inch hail on May 3, 2021. Ask each carrier for quotes at two deductible levels so the trade-off is visible.
  4. Check the wind arrangement. Kendall 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.
  5. Decide on flood coverage. FEMA lists Boerne as a participating NFIP community. Its flood map now in force took effect in May 2020. It also holds Community Rating System Class 6, which trims NFIP premiums for high-risk-zone policies by 20%. NFIP data counts 379 residential flood policies in Kendall County, about 1 for every 38 homes. Since 2016, 54 NFIP flood claims have come from Kendall County. Flood needs its own policy, and buying one right before a storm will not help because of the usual 30-day wait. Your flood zone is a quick search away on the FEMA Flood Map Service Center.
  6. Compare apples to apples. Ask every carrier to quote the same dwelling limit, deductibles and endorsements, then compare price and claim terms. An independent agency can run several Boerne quotes at once; start a quote here.
Typical local market estimate

$3,323/yr

About $277/mo · ~$300k-$400k dwelling class

$2,825/yrRough $300k dwelling scale (0.85x)
$4,486/yrRough $600k dwelling scale (1.35x)
TX Insurance Resources estimate

$2,044/yr

About $170/mo after modeled shopping discount

About 38.5% below local market estimate

$1,737/yrTXIR ~$300k scale
$2,759/yrTXIR ~$600k scale
Disclaimer: Estimates for comparison and education only. These figures are modeled estimates built from public data inputs and metro and regional benchmarks; they are not published averages or a binding quote. Actual quotes vary by dwelling value, age, roof, claims history, deductible, and carrier.

Local figures for your Boerne quote

Relatively LowFEMA overall risk
45Hail reports, 2016–2025
1Tornadoes, 2016–2025
10Major disasters since 2000

The National Risk Index from FEMA scores Kendall County as relatively low for combined natural-hazard risk. Its leading hazards, by rating, are hail (relatively moderate), tornadoes (relatively moderate) and inland flooding (relatively moderate).

Getting to know Boerne

Boerne belongs to Kendall County. The San Antonio-New Braunfels metro reaches out to include Kendall County. By straight-line distance, Boerne is about 25 miles northwest of San Antonio.

The owner-occupancy rate is around 65%, and roughly 72% of all units are stand-alone single-family homes. 2006 is the median year built for housing units in Boerne. The split is roughly 15% pre-1980 construction versus 68% built from 2000 on.

The NWS Austin/San Antonio, TX office handles forecasts and storm warnings for Boerne. The associated NEXRAD radar is KEWX.

FAQ: shopping in Boerne

How often should I shop coverage in Boerne?

Yearly is a good habit, plus whenever your premium jumps, you finish a remodel or you replace the roof.

How do wind and hail deductibles work in Boerne?

A percentage deductible is calculated on your dwelling limit; for example, 2% of a $300,000 dwelling limit is $6,000 out of pocket per wind or hail claim. A flat-dollar deductible usually costs more in premium but is easier to budget. Kendall County logged 40 reports of hail an inch or larger from 2016 through 2025, so run the numbers both ways.

Does homeowners insurance cover tornado damage in Boerne?

Yes, tornado damage is covered as windstorm, subject to your wind and hail deductible. NOAA records show 1 tornado in Kendall County from 2016 through 2025, so confirm your dwelling and loss-of-use limits would cover a full rebuild.

How much could I save by shopping my Boerne policy?

The estimate cards above model about 38.5% below the local market figure for Boerne. Treat it as illustrative; your quote depends on the home, roof, claims history and deductible.

Ready to price your Boerne home?

One call to 800-875-4711 or a short online form gets several carriers working on your quote.

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Data sources and notes

Public data current as of October 2026; Census figures are survey estimates. Price estimates near the top are Texas Insurance Resources models for comparison, not quotes or published averages.

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