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Home Insurance in Kirby, TX
From build years to owner-occupancy, the makeup of Kirby’s housing explains much of what insurers ask. This guide starts with the homes themselves.
The Kirby housing stock in numbers
About 73% of homes in Kirby are detached single-family houses; owners occupy 66% of the occupied units. About 15% of units are manufactured homes, which typically need a policy built for that construction type.
Older, newer and in between: Kirby homes
According to the Census Bureau, the typical home in Kirby went up around 1978. Roughly 60% of the housing stock predates 1980 and 11% is from 2000 onward. Older homes can carry original wiring, galvanized or cast-iron plumbing and roofs on their second or third replacement, and underwriters ask about all three.
$3,419/yr
About $285/mo · ~$300k-$400k dwelling class
$1,901/yr
About $158/mo after modeled shopping discount
About 44.4% below local market estimate
Market value versus rebuild cost in Kirby
Owners in Kirby put the median value of their homes at $165,500. Across Bexar County the median is $262,200. Keep in mind that Coverage A should follow rebuilding cost, not sale price, since the lot itself does not burn or blow away.
What each coverage does for Kirby owners
The structure limit. It should equal what it would cost to rebuild at current labor and material prices.
Anything not attached to the house, such as fences, carports and barns.
Your belongings. A room-by-room photo inventory makes claims faster.
Hotel, meals and other added costs while the home is uninhabitable after a covered claim.
Covers your legal liability for injuries or damage to others; an umbrella policy can extend it.
Small medical bills for guests injured at your home, regardless of fault.
Storm and flood context for Kirby
The National Risk Index from FEMA scores Bexar County as relatively high for combined natural-hazard risk. Among individual perils, the top ratings go to hail (very high), tornadoes (very high) and inland flooding (very high). NOAA’s Storm Events Database logs 294 hail reports in Bexar County from 2016 through 2025. Of these, 242 reached at least one inch in diameter. On May 3, 2021, observers reported hail as large as 5.5 inches.
Since Bexar County is not a TWIA county, look at how your homeowners policy handles wind and hail, including whether that deductible is a flat amount or a percentage of the dwelling limit. Your flood zone is a quick search away on the FEMA Flood Map Service Center.
Where to look up your Kirby home
The Bexar County appraisal district (www.bcad.org) publishes the square footage, year built and improvements insurers use to estimate rebuild cost. The district office address is 411 N. Frio St. San Antonio, TX 78207-4416.
Bexar County is home to Kirby. In the federal metro delineation, Bexar County anchors the San Antonio-New Braunfels metro. Head about 8 miles from Kirby and you reach San Antonio, the nearest larger city.
Kirby housing and coverage questions
How old are homes in Kirby, and does that change my rate?
The median home was built in 1978, and about 60% predate 1980, per Census estimates. Carriers look closely at roof, wiring and plumbing updates on older homes, and documenting them can improve your options.
How does flood coverage work for a Kirby home?
A standard homeowners policy will not pay for flood damage, so you need a stand-alone flood policy. Kirby participates in the National Flood Insurance Program, and its current flood map took effect in June 2020. Only about 1 in 129 Bexar County homes carries NFIP coverage. Most NFIP policies begin after a 30-day wait, so do not wait for a storm forecast.
Where can I find my property details before getting a quote in Kirby?
The Bexar appraisal district website (www.bcad.org) lists square footage, year built and improvements for your property. Have those, plus your roof’s age and material, ready before you compare quotes.
How do I insure a manufactured home in Kirby?
With a policy written for manufactured homes, which make up about 15% of local housing. Age, anchoring and whether the home sits on land you own all affect eligibility and price.
Ready to price your Kirby home?
Talk to a licensed Texas Insurance Resources agent at 800-875-4711, or get a quote online.
Sources and methodology
Data reflects the most recent releases available in October 2026; survey figures carry margins of error. Price estimates near the top are Texas Insurance Resources models for comparison, not quotes or published averages.
- American Community Survey 2020–2024, Kirby city: median year built, year built, structure type, tenure, population, home value
- NOAA NCEI storm reports, Bexar County
- Census CBSA delineation
- Census Gazetteer coordinates
- OpenFEMA NFIP data, Bexar County
- TWIA coverage area
- NFIP Community Status Book
- National Risk Index (FEMA), Bexar County
- Comptroller county directory, Bexar County
- Comptroller economic regions
- Benchmarks: Bexar County value, Bexar County build year