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Home Insurance in Saint Hedwig, TX
FEMA rates hail and tornadoes as the leading natural hazards for Bexar County. Here is the storm, flood and wind record that shapes home insurance in Saint Hedwig.
$3,076/yr
About $256/mo · ~$300k-$400k dwelling class
$1,861/yr
About $155/mo after modeled shopping discount
About 39.5% below local market estimate
Natural hazard profile for Saint Hedwig
Taking all natural hazards together, FEMA rates Bexar County relatively high. The highest-rated individual hazards are hail (very high), tornadoes (very high) and inland flooding (very high).
FEMA rates hail very high in Bexar County; roof material, roof age and prior hail repairs will all show up in underwriting questions.
Tornadoes rate very high in Bexar County, so an up-to-date home inventory and enough debris-removal coverage are worth confirming.
FEMA rates inland flood risk very high; flood coverage is separate and worth pricing even outside a mapped high-risk zone.
Winter weather is rated relatively high in Bexar County. Burst pipes from a freeze are generally covered, but carriers expect reasonable heat to be maintained.
Ten years of storm reports in Bexar County
Bexar County had 294 hail reports in NOAA’s storm records for 2016 through 2025. In 242 cases the hail was an inch across or bigger. The biggest stones, 5.5 inches across, fell on May 3, 2021. Tornado records for Bexar County show 5 touchdowns from 2016 through 2025; the most intense was an EF2 on February 19, 2017.
There were also 95 damaging-wind reports from thunderstorms, topping out around 85 mph. Flash flooding was logged 174 times over the same decade.
Since 2000, Bexar County has been included in 7 federal major disaster declarations for natural hazards. The most recent include Severe Winter Storms (2021), Hurricane Harvey (2017) and Hurricane Dolly (2008).
Windstorm questions for Saint Hedwig homes
Bexar County is outside TWIA’s designated catastrophe area, so wind and hail are normally covered by the homeowners policy itself, often with a separate percentage deductible.
Flood risk and coverage for Saint Hedwig
The city takes part in the National Flood Insurance Program, which makes federal flood policies available. The effective FEMA flood map for the community is from July 2023. In Bexar County, roughly 1 home in 129 has federal flood coverage (4,411 residential policies in force). NFIP records show 275 flood claims in the county since 2016. Remember that flood is excluded from homeowners policies and NFIP coverage usually starts 30 days after purchase.
You can check your flood zone by address at the FEMA Flood Map Service Center.
How Saint Hedwig homes are built and valued
1997 is the median year built for housing units in Saint Hedwig. 45% of local homes are from 2000 or later, compared with 13% built before 1980. Census data shows a median home value of $282,100 in Saint Hedwig. The Bexar County median is similar, at $262,200. Keep in mind that Coverage A should follow rebuilding cost, not sale price, since the lot itself does not burn or blow away.
Local offices for Saint Hedwig homeowners
Saint Hedwig belongs to Bexar County. Bexar County forms part of the urban core of the San Antonio-New Braunfels metro. Head about 19 miles from Saint Hedwig and you reach San Antonio, the nearest larger city.
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. Its office is at 411 N. Frio St. San Antonio, TX 78207-4416. Saint Hedwig is covered by the NWS Austin/San Antonio, TX forecast office, which issues local watches and warnings. Radar coverage comes from the KEWX site.
Saint Hedwig hazard and coverage questions
How common are hailstorms in Bexar County?
From 2016 through 2025, NOAA logged 294 hail reports in Bexar County, 242 of them with stones an inch or larger. FEMA’s National Risk Index rates the county’s hail risk very high. Compare how each carrier settles roof claims and what a percentage deductible would cost you out of pocket.
How does flood coverage work for a Saint Hedwig home?
A standard homeowners policy will not pay for flood damage, so you need a stand-alone flood policy. Saint Hedwig is an NFIP community, and its current flood map took effect in July 2023. Only about 1 in 129 Bexar County homes carries NFIP coverage. Most NFIP policies begin after a 30-day wait, so do not wait for a storm forecast.
How do wind and hail deductibles work in Saint Hedwig?
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. Bexar County logged 242 reports of hail an inch or larger from 2016 through 2025, so run the numbers both ways.
Is home insurance required in Saint Hedwig?
No Texas law requires it, but mortgage lenders almost always do, and they can buy costly force-placed coverage if your policy lapses.
Compare Saint Hedwig home insurance quotes
Talk to a licensed Texas Insurance Resources agent at 800-875-4711, or get a quote online.
Sources and methodology
Public data current as of October 2026; Census figures are survey estimates. Price estimates near the top are Texas Insurance Resources models for comparison, not quotes or published averages.
- OpenFEMA NFIP data, Bexar County
- NWS Austin/San Antonio, TX
- Community Status Book (NFIP)
- Census CBSA delineation
- Census Gazetteer files
- Census Bureau ACS five-year data, St. Hedwig town: tenure, home value, year built, structure type, median year built, population
- FEMA declared disasters, Bexar County
- Texas property tax directory, Bexar County
- Comparison figures: Bexar County value, Bexar County build year
- TWIA coverage area
- FEMA NRI county ratings, Bexar County
- NOAA Storm Events Database, Bexar County
- Texas Comptroller regions