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Home Insurance in Live Oak, TX
What Live Oak houses look like on paper, and how age, type and value feed into a homeowners quote.
Live Oak homes at a glance
The owner-occupancy rate is around 58%, and roughly 69% of all units are stand-alone single-family homes.
How age and construction affect a Live Oak quote
Homes built before 1980 make up about 33% of the total; those built since 2000 account for 45%. A middle-aged housing stock means roof age matters a lot: a roof past roughly 15 to 20 years can move a policy to actual cash value roof coverage with some carriers.
$3,140/yr
About $262/mo · ~$300k-$400k dwelling class
$1,906/yr
About $159/mo after modeled shopping discount
About 39.3% below local market estimate
How much coverage a Live Oak home needs
Census data shows a median home value of $246,300 in Live Oak. It tracks the county median of $262,200 fairly closely. Sale prices and rebuild costs can diverge in either direction, which is why carriers run their own replacement-cost estimate for the dwelling limit.
Coverage A through F for a Live Oak home
Covers the house. Lenders require it, and it is the base that percentage deductibles are calculated from.
Detached garages, fences, sheds and workshops, often set at 10% of Coverage A by default.
Contents coverage, with special lower limits for jewelry, firearms and collectibles unless scheduled.
Loss of use. After a large storm, contractor backlogs can stretch repairs, so this limit matters.
Legal defense and damages if someone is hurt on your property or you damage someone else’s.
No-fault medical payments for visitors, usually a few thousand dollars.
Weather backdrop for Live Oak
FEMA’s county-level National Risk Index puts Bexar County in the relatively high band overall. Hazard by hazard, the strongest scores are for hail (very high), tornadoes (very high) and inland flooding (very high). From 2016 to 2025, 294 hail events were recorded in Bexar County in NOAA’s Storm Events Database. 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.
Wind coverage in Bexar County stays inside the homeowners policy because the county is outside TWIA’s coastal territory; compare the wind/hail deductible on every quote. Search the FEMA Flood Map Service Center by street address to find your zone.
Records to check before you quote
Before you request quotes, pull your record from the Bexar appraisal district at www.bcad.org; the Texas Comptroller’s Bexar County directory lists its contact details. You can also visit the office at 411 N. Frio St. San Antonio, TX 78207-4416.
Live Oak belongs to Bexar County. The San Antonio-New Braunfels metro area counts Bexar County among its central counties. Live Oak lies northeast of San Antonio, around 13 miles away in a straight line.
Common questions from Live Oak homeowners
What does the Live Oak savings estimate on this page mean?
The estimate cards above model about 39.3% below the local market figure for Live Oak. Treat it as illustrative; your quote depends on the home, roof, claims history and deductible.
Is the median home value in Live Oak the right dwelling limit?
Usually not. The median owner-estimated value in Live Oak is $246,300, 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.
Do I need separate flood insurance in Live Oak?
Homeowners policies exclude flood, so it takes a separate NFIP or private flood policy. NFIP coverage is available because Live Oak is a participating community, and its current flood map took effect in September 2010. Its Community Rating System Class 7 rating lowers NFIP premiums for many residents. In Bexar County, about 1 in 129 homes has an NFIP policy. Buy early, because NFIP coverage generally starts 30 days after purchase.
Do renters and landlords in Live Oak need different policies?
Yes. About 42% of occupied homes in Live Oak are renter-occupied, per Census estimates. Tenants need a renters policy for belongings and liability, while owners who lease a home usually need a landlord (dwelling fire) policy instead of a standard homeowners form.
Request a Live Oak homeowners quote
One call to 800-875-4711 or a short online form gets several carriers working on your quote.
About the data
All public data on this page was pulled in October 2026. Census numbers are survey estimates. The two price cards are modeled estimates from Texas Insurance Resources, not quotes.
- FEMA NRI county ratings, Bexar County
- FEMA Community Status Book
- Texas Comptroller regions
- Census metro delineation
- Census Gazetteer files
- Census Bureau ACS five-year data, Live Oak city: population, median year built, year built, structure type, tenure, home value
- Storm Events Database (NOAA), Bexar County
- TWIA eligibility
- County and state comparisons: Bexar County value, Bexar County build year
- Texas property tax directory, Bexar County
- OpenFEMA flood insurance data, Bexar County