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Home Insurance in Leon Valley, TX
Storm reports, flood records and FEMA hazard ratings for Bexar County, with plain-English notes on how hail and tornadoes risks show up in a Leon Valley policy.
$3,069/yr
About $256/mo · ~$300k-$400k dwelling class
$1,946/yr
About $162/mo after modeled shopping discount
About 36.6% below local market estimate
Leon Valley hazard snapshot
FEMA’s county-level National Risk Index puts Bexar County in the relatively high band overall. Its leading hazards, by rating, are hail (very high), tornadoes (very high) and inland flooding (very high).
A very high hail rating makes the wind/hail deductible one of the biggest pricing levers, since a percentage deductible is based on your dwelling limit, not the claim.
With tornadoes rated very high, check that loss-of-use coverage would carry you through a long rebuild.
Inland flooding is rated very high in Bexar County. That covers river and heavy-rain flooding, which no standard homeowners policy pays for.
Winter weather risk is relatively high in Bexar County; insulating exposed pipes and knowing where the water shutoff is can prevent a large claim.
Recent severe weather in Bexar County
Over the ten years from 2016 to 2025, NOAA recorded 294 hail events across Bexar County. Stones of one inch or more showed up in 242 of the reports. The largest reported hail was 5.5 inches on May 3, 2021. Bexar County saw 5 tornadoes in NOAA’s 2016 to 2025 records, the strongest rated EF2 on February 19, 2017.
Thunderstorm wind reports numbered 95, with a peak near 85 mph. Flash floods account for 174 more entries in the decade.
Natural hazards have put Bexar County in 7 federal major disaster declarations since 2000. Among the most recent are Severe Winter Storms (2021), Hurricane Harvey (2017) and Hurricane Dolly (2008).
Who covers wind in Leon Valley?
There is no TWIA option in Bexar 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 in Leon Valley
Leon Valley participates in the National Flood Insurance Program, so NFIP policies are available to residents. The flood insurance rate map in effect was issued in September 2010. Through FEMA’s Community Rating System it is rated Class 6, worth a 20% discount on NFIP policies in the special flood hazard area. Flood coverage is far from universal: 4,411 residential NFIP policies in Bexar County, or about 1 per 129 homes. Bexar County has produced 275 NFIP claims from 2016 on. Standard homeowners policies exclude flood, and a new NFIP policy generally has a 30-day waiting period.
The FEMA Flood Map Service Center shows the flood zone for any address.
Leon Valley housing in brief
Census estimates put the median construction year for homes in Leon Valley at 1978. Pre-1980 houses are about 56% of the stock, and post-2000 houses about 18%. Owners in Leon Valley put the median value of their homes at $253,200. It tracks the county median of $262,200 fairly closely. 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.
Where Leon Valley homeowners can check the details
Bexar County is home to Leon Valley. The San Antonio-New Braunfels metro area counts Bexar County among its central counties. Measured point to point, Leon Valley sits roughly 6 miles northwest of San Antonio.
The Bexar County appraisal district (www.bcad.org) publishes the square footage, year built and improvements insurers use to estimate rebuild cost. You can also visit the office at 411 N. Frio St. San Antonio, TX 78207-4416. Severe weather warnings for Leon Valley come from the NWS Austin/San Antonio, TX office. Its assigned radar site for Leon Valley is KEWX.
FAQ: Leon Valley storm and flood coverage
How often does it hail around Leon Valley?
NOAA’s Storm Events Database lists 294 hail reports in Bexar County from 2016 through 2025, 242 of them with stones an inch or larger. FEMA’s National Risk Index rates the county’s hail risk very high. Roof age, roof material and the wind and hail deductible drive most of the price difference between quotes.
Is a percentage deductible a good idea in Leon Valley?
A percentage deductible is calculated on your dwelling limit; for example, 2% of a $300,000 dwelling limit is $6,000 out of pocket per wind or hail claim. A flat-dollar deductible usually costs more in premium but is easier to budget. With 242 reports of inch-plus hail in Bexar County from 2016 through 2025, it is worth pricing both options.
Is windstorm insurance through TWIA an option in Leon Valley?
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.
Does Texas law require home insurance in Leon Valley?
There is no state requirement. Mortgage contracts, HOA rules and some condo bylaws are what usually make coverage mandatory.
Get a Leon Valley home insurance quote
Texas Insurance Resources shops multiple carriers for you. Call 800-875-4711 or start online.
Data sources and notes
All public data on this page was pulled in October 2026. Census numbers are survey estimates. Premium figures in the estimate cards are illustrative models, not quotes.
- Disaster declarations (FEMA), Bexar County
- County and state comparisons: Bexar County value, Bexar County build year
- Comptroller economic regions
- Comptroller county directory, Bexar County
- Storm Events Database (NOAA), Bexar County
- Texas Windstorm Insurance Association
- NFIP data (OpenFEMA), Bexar County
- FEMA Community Status Book
- NWS Austin/San Antonio, TX
- OMB metro and micro areas
- Census Gazetteer coordinates
- National Risk Index (FEMA), Bexar County
- American Community Survey 2020–2024, Leon Valley city: year built, home value, structure type, tenure, median year built, population