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Home Insurance in Devine, TX
Shopping for coverage in Devine? Work through these steps in order and you will compare quotes on equal terms.
Buying Devine home insurance, step by step
- Pull your property record. Square footage and build year on file with the Medina appraisal district (www.medinacad.org) feed straight into replacement-cost estimates, so check them for errors. You can also visit the office at 1410 Avenue K Hondo, TX 78861-1300.
- Price the rebuild, not the sale. Survey samples in Devine are small, so use the Medina County median home value of $239,600 as a rough guide. 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.
- Choose a wind and hail deductible. NOAA’s Storm Events Database logs 54 hail reports in Medina County from 2016 through 2025. Quarter-size or larger stones, an inch and up, appear in 47 of them. The top report was 6.42-inch hail on April 28, 2021. Price both a flat and a percentage wind/hail deductible before choosing.
- Confirm who covers wind. Wind coverage in Medina County stays inside the homeowners policy because the county is outside TWIA’s coastal territory; compare the wind/hail deductible on every quote.
- Decide on flood coverage. NFIP flood policies are available in Devine, a participating community. The effective FEMA flood map for the community is from April 2012. Across Medina County, 357 residential NFIP policies were in force, roughly 1 for every 54 homes. Since 2016, 20 NFIP flood claims have come from Medina County. Flood needs its own policy, and buying one right before a storm will not help because of the usual 30-day wait. Search the FEMA Flood Map Service Center by street address to find your zone.
- Line up quotes side by side. Compare roof settlement terms, deductibles and limits, not just premium. Texas Insurance Resources can shop multiple carriers for your Devine home.
$3,240/yr
About $270/mo · ~$300k-$400k dwelling class
$2,022/yr
About $168/mo after modeled shopping discount
About 37.6% below local market estimate
Local figures for your Devine quote
FEMA’s county-level National Risk Index puts Medina County in the relatively low band overall. Among individual perils, the top ratings go to strong wind (relatively high), lightning (relatively high) and drought (relatively high).
Devine and its housing
The county for Devine is Medina County. The San Antonio-New Braunfels metro reaches out to include Medina County. The nearest bigger city is San Antonio, about 32 miles from Devine as the crow flies.
Owners live in 69% of occupied homes, and detached single-family houses account for about 78% of the stock. According to the Census Bureau, the typical home in Devine went up around 1976. The split is roughly 55% pre-1980 construction versus 17% built from 2000 on.
For local warnings, the responsible National Weather Service office is NWS Austin/San Antonio, TX. Its assigned radar site for Devine is KEWX.
Before you buy in Devine
Should I compare quotes every year in Devine?
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 Devine?
Pick the deductible you could pay the week after a storm. Percentage deductibles scale with the dwelling limit, so 1% on a $400,000 limit means $4,000 per claim, while flat deductibles stay fixed. With 47 reports of inch-plus hail in Medina County from 2016 through 2025, it is worth pricing both options.
Does homeowners insurance cover tornado damage in Devine?
Yes, tornado damage is covered as windstorm, subject to your wind and hail deductible. NOAA records show 1 tornado in Medina County from 2016 through 2025, so confirm your dwelling and loss-of-use limits would cover a full rebuild.
Is homeowners coverage mandatory for Devine homeowners?
Only your lender can require it; Texas itself does not. If the home is paid off, the choice is yours, but one serious storm or fire can cost far more than years of premiums.
Request a Devine homeowners quote
Texas Insurance Resources shops multiple carriers for you. Call 800-875-4711 or start online.
Data sources and notes
Public data current as of October 2026; Census figures are survey estimates. Premium figures in the estimate cards are illustrative models, not quotes.
- Storm Events Database (NOAA), Medina County
- FEMA disaster declarations, Medina County
- NFIP Community Status Book
- Census CBSA delineation
- Census Gazetteer files
- Comptroller county directory, Medina County
- NWS Austin/San Antonio, TX
- TWIA eligibility
- Comptroller 2024 regions
- OpenFEMA flood insurance data, Medina County
- Benchmarks: Medina County value, Medina County build year
- National Risk Index (FEMA), Medina County
- American Community Survey 2020–2024, Devine city: median year built, structure type, tenure, year built, population, home value