Home / Texas Home Insurance Locations / Floresville
Home Insurance in Floresville, TX
Six steps to a better homeowners policy in Floresville, built around Wilson County hazard and housing data.
How to shop for home insurance in Floresville
- Gather your home’s details. Insurers often check the appraisal district record, so confirm that what the Wilson district shows at wilson-cad.org matches your home. You can also visit the office at 1611 Railroad St. Floresville, TX 78114-1825.
- Set the dwelling limit from rebuild cost. Census data shows a median home value of $241,000 in Floresville. Across Wilson County the median is $321,300. Sale prices and rebuild costs can diverge in either direction, which is why carriers run their own replacement-cost estimate for the dwelling limit.
- Pick deductibles with local storms in mind. Hail turned up 30 times in Wilson County in NOAA’s database between 2016 and 2025. Quarter-size or larger stones, an inch and up, appear in 22 of them. The largest reported hail was 2 inches on December 18, 2021. Price both a flat and a percentage wind/hail deductible before choosing.
- Sort out windstorm coverage. Wilson 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.
- Decide on flood coverage. Because Floresville is an NFIP participating community, homeowners can buy National Flood Insurance Program coverage. The flood insurance rate map in effect was issued in November 2010. Flood coverage is far from universal: 173 residential NFIP policies in Wilson County, or about 1 per 117 homes. A homeowners policy will not pay for rising water; flood is a separate policy, and NFIP coverage typically takes 30 days to begin. Look up your address on the FEMA Flood Map Service Center to see your flood zone.
- Line up quotes side by side. Ask every carrier to quote the same dwelling limit, deductibles and endorsements, then compare price and claim terms. An independent agency can run several Floresville quotes at once; start a quote here.
$3,452/yr
About $288/mo · ~$300k-$400k dwelling class
$1,916/yr
About $160/mo after modeled shopping discount
About 44.5% below local market estimate
Numbers to keep handy
Taking all natural hazards together, FEMA rates Wilson County relatively low. Its leading hazards, by rating, are hail (relatively moderate), tornadoes (relatively moderate) and inland flooding (relatively moderate).
Floresville and its housing
Floresville belongs to Wilson County. Wilson County counts as an outlying county of the San Antonio-New Braunfels metro area. The nearest bigger city is San Antonio, about 31 miles from Floresville as the crow flies.
Single-family detached houses make up about 65% of housing units, and 67% of occupied homes are owner-occupied. About 16% of units are manufactured homes, which typically need a policy built for that construction type. Census estimates put the median construction year for homes in Floresville at 1999. Homes built before 1980 make up about 25% of the total; those built since 2000 account for 49%.
Severe weather warnings for Floresville come from the NWS Austin/San Antonio, TX office. Radar coverage comes from the KEWX site.
Before you buy in Floresville
When is the best time to compare home insurance in Floresville?
Yearly is a good habit, plus whenever your premium jumps, you finish a remodel or you replace the roof.
Can I get competitive quotes in Floresville from carriers outside the area?
Yes. Pricing depends on your address and home, not the agent’s office. Whether you are in Floresville or San Antonio, about 31 miles away, an independent agency can shop multiple carriers remotely.
Are tornadoes covered on a Floresville home policy?
Yes. Tornadoes fall under the windstorm peril, so the wind and hail deductible applies. Wilson County had 2 tornadoes in NOAA’s 2016 to 2025 records, which is a good reason to check your dwelling, other-structures and debris-removal limits.
How much could I save by shopping my Floresville policy?
The estimate cards above model about 44.5% below the local market figure for Floresville. Treat it as illustrative; your quote depends on the home, roof, claims history and deductible.
Ready to price your Floresville home?
One call to 800-875-4711 or a short online form gets several carriers working on your quote.
Where the Floresville numbers come from
Public data current as of October 2026; Census figures are survey estimates. Premium figures in the estimate cards are illustrative models, not quotes.
- National Risk Index (FEMA), Wilson County
- NWS Austin/San Antonio, TX
- Census Bureau ACS five-year data, Floresville city: population, tenure, year built, home value, median year built, structure type
- NOAA NCEI storm reports, Wilson County
- Comptroller CAD listing, Wilson County
- Comptroller economic regions
- OMB metro and micro areas
- Census Gazetteer files
- Benchmarks: Wilson County value, Wilson County build year
- FEMA Community Status Book
- OpenFEMA NFIP data, Wilson County
- FEMA disaster declarations, Wilson County
- Texas Windstorm Insurance Association