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Home Insurance in Lakehills, TX
Side-by-side numbers for Lakehills, Bandera County and the state, covering housing, hazards and flood insurance.
$3,104/yr
About $259/mo · ~$300k-$400k dwelling class
$1,965/yr
About $164/mo after modeled shopping discount
About 36.7% below local market estimate
Lakehills, Bandera County and Texas side by side
| Measure | Lakehills | Bandera County | Texas |
|---|---|---|---|
| Median home value | $259,000 | $278,400 | $283,800 |
| Median year built | 1998 | 1997 | 1992 |
| Owner-occupied homes | 89% | 86% | 63% |
| Single-family detached | 71% | 67% | 64% |
| Built before 1980 | 26% | 22% | 33% |
| Built 2000 or later | 45% | 45% | 39% |
| Manufactured homes | 26% | 29% | 6% |
Home ages in Lakehills are close to the Bandera County pattern (median year built 1998 versus 1997).
Owners in Lakehills put the median value of their homes at $259,000. The Bandera County median is similar, at $278,400. Keep in mind that Coverage A should follow rebuilding cost, not sale price, since the lot itself does not burn or blow away.
Bandera County hazards and storm counts
| Hazard | FEMA NRI rating | NOAA reports, 2016–2025 |
|---|---|---|
| Hail | Relatively Moderate | 47 hail reports |
| Tornadoes | Relatively Moderate | 0 tornadoes |
| Strong wind | Relatively Moderate | 11 thunderstorm wind reports |
| Inland flooding | Relatively Moderate | 25 flash floods |
| Hurricanes | Very Low | – |
| Wildfire | Relatively Low | – |
| Winter weather | Relatively Moderate | – |
| Drought | Relatively Moderate | – |
| Lightning | Relatively High | – |
FEMA’s National Risk Index rates overall natural-hazard risk in Bandera County as relatively low. Hazard by hazard, the strongest scores are for lightning (relatively high), hail (relatively moderate) and tornadoes (relatively moderate).
Counting from 2000, 6 major disaster declarations for natural hazards have included Bandera County. The latest declarations were Severe Storms, Straight-line Winds, Tornadoes, and Flooding (2026), Severe Winter Storms (2021) and Severe Storms and Flooding (2016).
Coverage takeaways for Lakehills
- There is no TWIA option in Bandera County, so the homeowners carrier handles wind and hail, and its deductible for those perils can differ from the all-other-perils deductible.
- Flood insurance for unincorporated areas is handled through Bandera County, which participates in the National Flood Insurance Program. Only about 1 in 49 homes in Bandera County carries an NFIP policy (232 residential policies). Policyholders in the county have filed 18 NFIP claims since 2016. Remember that flood is excluded from homeowners policies and NFIP coverage usually starts 30 days after purchase.
- Line up every home in Lakehills by age and the one in the middle was built in 1998. Roughly 26% of the housing stock predates 1980 and 45% is from 2000 onward. Houses from this era often have had partial updates, so documenting a newer roof, water heater or HVAC can help when quotes are compared.
Contacts for Lakehills homeowners
Insurers often check the appraisal district record, so confirm that what the Bandera district shows at www.bancad.org matches your home. You can also visit the office at 1206 Main St. Bandera, TX 78003-9998. Watches and warnings for Lakehills are issued by NWS Austin/San Antonio, TX. The radar the weather service assigns to this point is KEWX.
The county for Lakehills is Bandera County. The San Antonio-New Braunfels metro reaches out to include Bandera County. Measured point to point, Lakehills sits roughly 28 miles northwest of San Antonio.
FAQ: Lakehills home insurance
What natural hazards affect Lakehills homes most?
Overall, FEMA scores Bandera County as relatively low. The highest individual ratings are for lightning (relatively high), hail (relatively moderate) and tornadoes (relatively moderate). Use that list to decide where higher limits or a lower deductible are worth the premium.
Is the median home value in Lakehills the right dwelling limit?
Usually not. The median owner-estimated value in Lakehills is $259,000, yet that number includes land and location. Carriers estimate replacement cost from size, construction and finishes, and that is what the dwelling limit should follow.
What does the Lakehills savings estimate on this page mean?
On this page we model a 36.7% gap between the local market estimate and our estimate for Lakehills. It is not a quote, and actual savings can be higher, lower or zero.
Can I get competitive quotes in Lakehills from carriers outside the area?
Yes. Pricing depends on your address and home, not the agent’s office. Whether you are in Lakehills or San Antonio, about 28 miles away, an independent agency can shop multiple carriers remotely.
Ready to price your Lakehills home?
One call to 800-875-4711 or a short online form gets several carriers working on your quote.
About the data
Figures were retrieved in October 2026 and are estimates with margins of error. Price estimates near the top are Texas Insurance Resources models for comparison, not quotes or published averages.
- TWIA eligibility
- NWS Austin/San Antonio, TX
- NOAA Storm Events Database, Bandera County
- County and state comparisons: Bandera County value, Bandera County build year, Texas value
- Census metro delineation
- Gazetteer (Census)
- Comptroller economic regions
- FEMA declared disasters, Bandera County
- Comptroller CAD listing, Bandera County
- FEMA NRI county ratings, Bandera County
- American Community Survey 2020–2024, Lakehills CDP: population, tenure, median year built, home value, structure type, year built
- NFIP data (OpenFEMA), Bandera County