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Home Insurance in Redwood, TX
How Redwood homes and hazards compare with Guadalupe County and Texas as a whole, and what the differences mean for your policy.
$3,081/yr
About $257/mo · ~$300k-$400k dwelling class
$1,904/yr
About $159/mo after modeled shopping discount
About 38.2% below local market estimate
How Redwood homes compare
| Measure | Redwood | Guadalupe County | Texas |
|---|---|---|---|
| Median home value | $109,500 | $304,400 | $283,800 |
| Median year built | 1991 | 2003 | 1992 |
| Owner-occupied homes | 72% | 78% | 63% |
| Single-family detached | 29% | 77% | 64% |
| Built before 1980 | 16% | 19% | 33% |
| Built 2000 or later | 26% | 56% | 39% |
| Manufactured homes | 65% | 13% | 6% |
Redwood’s homes skew older than the county as a whole: median year built 1991, compared with 2003 across Guadalupe County. Manufactured homes are more common in Redwood (65% of units) than across Guadalupe County (13%).
Census data shows a median home value of $109,500 in Redwood. Across Guadalupe County the median is $304,400. Keep in mind that Coverage A should follow rebuilding cost, not sale price, since the lot itself does not burn or blow away.
Hazard ratings for Guadalupe County
| Hazard | FEMA NRI rating | NOAA reports, 2016–2025 |
|---|---|---|
| Hail | Relatively Moderate | 39 hail reports |
| Tornadoes | Relatively High | 3 tornadoes |
| Strong wind | Relatively Moderate | 53 thunderstorm wind reports |
| Inland flooding | Relatively High | 12 flash floods |
| Hurricanes | Relatively Low | – |
| Wildfire | Relatively Low | – |
| Winter weather | Relatively Moderate | – |
| Drought | Relatively Moderate | – |
| Lightning | Relatively High | – |
The National Risk Index from FEMA scores Guadalupe County as relatively moderate for combined natural-hazard risk. Its leading hazards, by rating, are tornadoes (relatively high), inland flooding (relatively high) and lightning (relatively high).
Since 2000, Guadalupe County has been included in 10 federal major disaster declarations for natural hazards. The latest declarations were Severe Storms, Straight-line Winds, and Flooding (2025), Severe Storms, Straight-line Winds, Tornadoes, and Flooding (2024) and Severe Winter Storms (2021).
What the comparison means for your policy
- Wind coverage in Guadalupe County stays inside the homeowners policy because the county is outside TWIA’s coastal territory; compare the wind/hail deductible on every quote.
- Guadalupe County participates in the NFIP for its unincorporated areas, so federal flood policies can be bought here. Only about 1 in 28 homes in Guadalupe County carries an NFIP policy (2,244 residential policies). Policyholders in the county have filed 40 NFIP claims since 2016. A homeowners policy will not pay for rising water; flood is a separate policy, and NFIP coverage typically takes 30 days to begin.
- According to the Census Bureau, the typical home in Redwood went up around 1991. The split is roughly 16% pre-1980 construction versus 26% built from 2000 on. 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.
Local offices and records
Before you request quotes, pull your record from the Guadalupe appraisal district at www.guadalupead.org; the Texas Comptroller’s Guadalupe County directory lists its contact details. The district office address is 3000 N. Austin St. Seguin, TX 78155-7320. Watches and warnings for Redwood are issued by NWS Austin/San Antonio, TX. The associated NEXRAD radar is KEWX.
Redwood belongs to Guadalupe County. Guadalupe County forms part of the urban core of the San Antonio-New Braunfels metro. Measured point to point, Redwood sits roughly 5 miles south of San Marcos.
Redwood coverage questions
Which weather risks matter for insuring a home in Redwood?
Guadalupe County is rated relatively moderate overall in FEMA’s National Risk Index. Its standout hazards are tornadoes (relatively high), inland flooding (relatively high) and lightning (relatively high). Those are the perils to ask about when you compare deductibles and endorsements.
What does the Redwood savings estimate on this page mean?
Our illustrative TX Insurance Resources estimate for Redwood reflects a modeled 38.2% improvement versus the local market anchor. It is an estimate for comparison only; real results vary by home, coverage and carrier.
Is home insurance required in Redwood?
There is no state requirement. Mortgage contracts, HOA rules and some condo bylaws are what usually make coverage mandatory.
Can I get TWIA windstorm coverage in Redwood?
No, Guadalupe 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.
Get a Redwood home insurance quote
Compare carriers with Texas Insurance Resources. Call 800-875-4711 or request a quote online.
Where the Redwood numbers come from
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.
- OpenFEMA NFIP data, Guadalupe County
- American Community Survey 2020–2024, Redwood CDP: home value, population, tenure, median year built, structure type, year built
- FEMA disaster declarations, Guadalupe County
- NOAA Storm Events Database, Guadalupe County
- FEMA National Risk Index, Guadalupe County
- NWS Austin/San Antonio, TX
- Census CBSA delineation
- Census Gazetteer coordinates
- TWIA coverage area
- Comparison figures: Guadalupe County value, Guadalupe County build year, Texas value
- Comptroller economic regions
- Comptroller county directory, Guadalupe County