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Home Insurance in Converse, TX
See where Converse stands against county and statewide figures before you compare home insurance quotes.
$3,344/yr
About $279/mo · ~$300k-$400k dwelling class
$2,090/yr
About $174/mo after modeled shopping discount
About 37.5% below local market estimate
Converse, Bexar County and Texas side by side
| Measure | Converse | Bexar County | Texas |
|---|---|---|---|
| Median home value | $248,400 | $262,200 | $283,800 |
| Median year built | 2003 | 1990 | 1992 |
| Owner-occupied homes | 74% | 59% | 63% |
| Single-family detached | 84% | 64% | 64% |
| Built before 1980 | 14% | 36% | 33% |
| Built 2000 or later | 59% | 39% | 39% |
| Manufactured homes | 1% | 3% | 6% |
Converse’s housing is younger than Bexar County’s overall (2003 versus 1990 median year built). Owner-occupancy is higher than the county figure (74% versus 59%).
Owners in Converse put the median value of their homes at $248,400. That is close to the Bexar County median of $262,200. Market value includes land and location, so it is not the same as the cost to rebuild; insure the dwelling to a replacement-cost estimate instead.
Bexar County hazards and storm counts
| 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 | – |
FEMA’s National Risk Index rates overall natural-hazard risk in Bexar County as relatively high. The individual hazards that stand out are hail (very high), tornadoes (very high) and inland flooding (very high).
Counting from 2000, 7 major disaster declarations for natural hazards have included Bexar County. The latest declarations were Severe Winter Storms (2021), Hurricane Harvey (2017) and Hurricane Dolly (2008).
Coverage takeaways for Converse
- TWIA does not write in Bexar County; wind and hail claims go through your regular homeowners policy, which may carry its own wind/hail deductible.
- NFIP flood policies are available in Converse, a participating community. The flood insurance rate map in effect was issued in September 2010. Across Bexar County, 4,411 residential NFIP policies were in force, roughly 1 for every 129 homes. Since 2016, 275 NFIP flood claims have come from Bexar County. Remember that flood is excluded from homeowners policies and NFIP coverage usually starts 30 days after purchase.
- Census estimates put the median construction year for homes in Converse at 2003. Homes built before 1980 make up about 14% of the total; those built since 2000 account for 59%. Many homes here are recent builds, so the main variables are roof material, deductible choice and making sure the dwelling limit tracks today’s construction costs.
Local offices and records
Square footage and build year on file with the Bexar appraisal district (www.bcad.org) feed straight into replacement-cost estimates, so check them for errors. The district office address is 411 N. Frio St. San Antonio, TX 78207-4416. The NWS Austin/San Antonio, TX office handles forecasts and storm warnings for Converse. The associated NEXRAD radar is KEWX.
Converse belongs to Bexar County. Bexar County is a central county of the San Antonio-New Braunfels metropolitan area. Converse lies east of San Antonio, around 14 miles away in a straight line.
FAQ: Converse home insurance
How risky is Bexar County for natural hazards?
Bexar County is rated relatively high overall in FEMA’s National Risk Index. Its standout hazards are hail (very high), tornadoes (very high) and inland flooding (very high). Use that list to decide where higher limits or a lower deductible are worth the premium.
How many major disasters has Bexar County seen?
Bexar County has been included in 7 natural-hazard major disaster declarations since 2000. The most recent was Severe Winter Storms, declared in February 2021. FEMA assistance is capped and is not a substitute for insurance.
Is Converse in the TWIA coverage area?
No, Bexar County is not in TWIA territory. Look instead at the wind and hail deductible on your homeowners quotes, since that is where storm costs land.
How much could I save by shopping my Converse policy?
The estimate cards above model about 37.5% below the local market figure for Converse. Treat it as illustrative; your quote depends on the home, roof, claims history and deductible.
Get a Converse home insurance quote
One call to 800-875-4711 or a short online form gets several carriers working on your quote.
Sources for this Converse page
Figures were retrieved in October 2026 and are estimates with margins of error. Premium figures in the estimate cards are illustrative models, not quotes.
- NOAA Storm Events Database, Bexar County
- Comptroller 2024 regions
- Comptroller county directory, Bexar County
- Census ACS 2020–2024, Converse city: year built, structure type, median year built, home value, tenure, population
- NFIP Community Status Book
- OMB metro and micro areas
- Census Gazetteer files
- FEMA NRI county ratings, Bexar County
- TWIA coverage area
- County and state comparisons: Bexar County value, Bexar County build year, Texas value
- FEMA disaster declarations, Bexar County
- NWS Austin/San Antonio, TX
- OpenFEMA flood insurance data, Bexar County