Home / Texas Home Insurance Locations / Pleasanton
Home Insurance in Pleasanton, TX
Pleasanton homeowners insure against drought and hail first, according to FEMA’s county ratings. This page lays out the local hazard data and what it means for coverage.
$3,527/yr
About $294/mo · ~$300k-$400k dwelling class
$2,106/yr
About $176/mo after modeled shopping discount
About 40.3% below local market estimate
Pleasanton hazard snapshot
In FEMA’s National Risk Index, Atascosa County carries an overall rating of relatively low. Hazard by hazard, the strongest scores are for drought (relatively high), hail (relatively moderate) and tornadoes (relatively moderate).
Drought is rated relatively high in Atascosa County. Expansive clay soils can shift foundations in dry spells, and most policies exclude settling and earth movement.
Hail risk here is relatively moderate. Cosmetic-damage exclusions for metal roofing and roof-age settlement schedules vary by carrier, so read those sections.
Tornado risk is relatively moderate in Atascosa County. Tornado damage is covered as windstorm under a homeowners policy, subject to the wind/hail deductible.
FEMA rates lightning relatively moderate here; ask whether electronics damaged by a surge are covered and at what limit.
The Atascosa County storm record, 2016 to 2025
NOAA’s Storm Events Database logs 32 hail reports in Atascosa County from 2016 through 2025. Of these, 27 reached at least one inch in diameter. On March 1, 2023, observers reported hail as large as 3 inches. No tornadoes were logged in Atascosa County in NOAA’s 2016 to 2025 records, though high wind from thunderstorms still counts.
Straight-line thunderstorm winds generated 9 reports, peaking around 81 mph. The same records include 5 flash flood events.
Natural hazards have put Atascosa County in 8 federal major disaster declarations since 2000. The latest declarations were Severe Winter Storms (2021), Severe Storms, Tornadoes, Straight-line Winds and Flooding (2015) and Severe Storms, Tornadoes, and Flooding (2007).
Who covers wind in Pleasanton?
Wind coverage in Atascosa County stays inside the homeowners policy because the county is outside TWIA’s coastal territory; compare the wind/hail deductible on every quote.
Flood exposure and the NFIP in Pleasanton
NFIP flood policies are available in Pleasanton, a participating community. The effective FEMA flood map for the community is from November 2010. NFIP data counts 139 residential flood policies in Atascosa County, about 1 for every 154 homes. A homeowners policy will not pay for rising water; flood is a separate policy, and NFIP coverage typically takes 30 days to begin.
You can check your flood zone by address at the FEMA Flood Map Service Center.
Pleasanton housing in brief
According to the Census Bureau, the typical home in Pleasanton went up around 1984. The split is roughly 43% pre-1980 construction versus 24% built from 2000 on. Census data shows a median home value of $204,300 in Pleasanton. For comparison, Atascosa County as a whole comes in at $174,800. Your dwelling limit should be built from square footage, materials and local labor costs rather than what the house would sell for.
Local records and contacts for Pleasanton
Atascosa County is home to Pleasanton. Atascosa County belongs to the San Antonio-New Braunfels metropolitan area as an outlying county. Pleasanton lies south of San Antonio, around 35 miles away in a straight line.
Square footage and build year on file with the Atascosa appraisal district (www.atascosacad.com) feed straight into replacement-cost estimates, so check them for errors. You can also visit the office at 1020 Bensdale Dr. Pleasanton, TX 78064. The NWS Austin/San Antonio, TX office handles forecasts and storm warnings for Pleasanton. Its assigned radar site for Pleasanton is KEWX.
Questions about weather risk in Pleasanton
Is foundation movement covered for Pleasanton homes?
Usually not. FEMA rates drought risk in Atascosa County as relatively high, and dry spells can shift foundations on clay soil, but standard policies exclude settling and earth movement. Foundation damage caused by a covered plumbing leak is a common exception.
How do wind and hail deductibles work in Pleasanton?
Pick the deductible you could pay the week after a storm. Percentage deductibles scale with the dwelling limit, so 1% on a $400,000 limit means $4,000 per claim, while flat deductibles stay fixed. Atascosa County logged 27 reports of hail an inch or larger from 2016 through 2025, so run the numbers both ways.
Is homeowners coverage mandatory for Pleasanton homeowners?
State law does not require it. Your lender will, though, and if coverage lapses the lender can place a policy for you that usually costs more and covers less.
Does TWIA cover homes in Pleasanton?
No, Atascosa 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.
Request a Pleasanton homeowners quote
Texas Insurance Resources shops multiple carriers for you. Call 800-875-4711 or start online.
Sources for this Pleasanton page
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
- NOAA NCEI storm reports, Atascosa County
- FEMA disaster declarations, Atascosa County
- American Community Survey 2020–2024, Pleasanton city: year built, population, home value, median year built, structure type, tenure
- OpenFEMA NFIP data, Atascosa County
- Texas property tax directory, Atascosa County
- Census CBSA delineation
- Census Gazetteer coordinates
- FEMA NRI county ratings, Atascosa County
- Comparison figures: Atascosa County value, Atascosa County build year
- FEMA Community Status Book
- NWS Austin/San Antonio, TX
- Comptroller 2024 regions