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Home Insurance in Poteet, TX
What Poteet houses look like on paper, including age, type and value, and how each detail feeds into a homeowners quote.
Poteet homes at a glance
Owners live in 65% of occupied homes, and detached single-family houses account for about 70% of the stock. About 16% of units are manufactured homes, which typically need a policy built for that construction type.
How age and construction affect a Poteet quote
Census estimates put the median construction year for homes in Poteet at 1972. About 65% of homes went up before 1980, while 22% were built in 2000 or later. For older houses, rebuilding to current code can cost more than the original structure, which is why ordinance or law coverage is worth pricing.
$3,489/yr
About $291/mo · ~$300k-$400k dwelling class
$2,104/yr
About $175/mo after modeled shopping discount
About 39.7% below local market estimate
Setting the dwelling limit in Poteet
The typical owner-occupied home in Poteet is valued at about $119,200. The county-wide figure is higher, at $174,800. Sale prices and rebuild costs can diverge in either direction, which is why carriers run their own replacement-cost estimate for the dwelling limit.
What each coverage does for Poteet owners
Pays to rebuild the house itself. Set it from a replacement-cost estimate, not the sale price or tax value.
Fences and outbuildings. The default limit is often a percentage of Coverage A, which can be too low on larger lots.
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.
Hazards Poteet homes are exposed to
Taking all natural hazards together, FEMA rates Atascosa County relatively low. The highest-rated individual hazards are drought (relatively high), hail (relatively moderate) and tornadoes (relatively moderate). Atascosa County had 32 hail reports in NOAA’s storm records for 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.
TWIA does not write in Atascosa County; wind and hail claims go through your regular homeowners policy, which may carry its own wind/hail deductible. The FEMA Flood Map Service Center shows the flood zone for any address.
Where to look up your Poteet home
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. The district office address is 1020 Bensdale Dr. Pleasanton, TX 78064.
Poteet belongs to Atascosa County. Commuting ties put Atascosa County in the San Antonio-New Braunfels metro as an outlying county. Measured point to point, Poteet sits roughly 29 miles south of San Antonio.
Common questions from Poteet homeowners
Are most homes in Poteet old or new?
Census estimates put the median build year at 1972, with about 65% of homes older than 1980. Carriers look closely at roof, wiring and plumbing updates on older homes, and documenting them can improve your options.
How often should I shop coverage in Poteet?
Check before each renewal. Carriers adjust rates and underwriting appetite over time, so last year’s best price may not hold.
Is flood insurance available in Poteet?
Homeowners policies exclude flood, so it takes a separate NFIP or private flood policy. Poteet participates in the National Flood Insurance Program, and its current flood map took effect in November 2010. In Atascosa County, about 1 in 154 homes has an NFIP policy. Buy early, because NFIP coverage generally starts 30 days after purchase.
How do I insure a manufactured home in Poteet?
With a policy written for manufactured homes, which make up about 16% of local housing. Age, anchoring and whether the home sits on land you own all affect eligibility and price.
Ready to price your Poteet home?
Compare carriers with Texas Insurance Resources. Call 800-875-4711 or request a quote online.
Sources and methodology
Data reflects the most recent releases available in October 2026; survey figures carry margins of error. The two price cards are modeled estimates from Texas Insurance Resources, not quotes.
- TWIA eligibility
- NFIP data (OpenFEMA), Atascosa County
- OMB metro and micro areas
- Gazetteer (Census)
- Comptroller CAD listing, Atascosa County
- Benchmarks: Atascosa County value, Atascosa County build year
- American Community Survey 2020–2024, Poteet city: median year built, population, year built, structure type, tenure, home value
- Comptroller 2024 regions
- FEMA Community Status Book
- NOAA Storm Events Database, Atascosa County
- FEMA National Risk Index, Atascosa County