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Home Insurance in Scenic Oaks, TX
Scenic Oaks homeowners insure against hail and tornadoes first, according to FEMA’s county ratings. This page lays out the local hazard data and what it means for coverage.
$3,327/yr
About $277/mo · ~$300k-$400k dwelling class
$1,843/yr
About $154/mo after modeled shopping discount
About 44.6% below local market estimate
What FEMA’s ratings say about Scenic Oaks
Bexar County lands in the relatively high category of FEMA’s National Risk Index. Among individual perils, the top ratings go to hail (very high), tornadoes (very high) and inland flooding (very high).
Hail is rated very high in Bexar County. Ask whether your roof is covered at replacement cost or actual cash value, and whether a Class 4 impact-resistant roof earns a credit.
Tornado risk is very high in Bexar County. Tornado damage is covered as windstorm under a homeowners policy, subject to the wind/hail deductible.
With inland flooding rated very high, a separate flood policy is the only way to cover water that enters from outside.
FEMA rates winter weather relatively high here; sudden pipe bursts are typically covered, while slow leaks and mold often are not.
The Bexar County storm record, 2016 to 2025
Hail turned up 294 times in Bexar County in NOAA’s database between 2016 and 2025. Quarter-size or larger stones, an inch and up, appear in 242 of them. The top report was 5.5-inch hail on May 3, 2021. Between 2016 and 2025, 5 tornadoes touched down in Bexar County, topped by an EF2 on February 19, 2017.
Severe thunderstorm winds were reported 95 times, the strongest near 85 mph. The same records include 174 flash flood events.
FEMA has issued 7 natural-hazard major disaster declarations covering Bexar County since 2000. Recent ones: Severe Winter Storms (2021), Hurricane Harvey (2017) and Hurricane Dolly (2008).
Wind and hail coverage in Scenic Oaks
TWIA does not write in Bexar County; wind and hail claims go through your regular homeowners policy, which may carry its own wind/hail deductible.
Flood exposure and the NFIP in Scenic Oaks
Bexar County participates in the NFIP for its unincorporated areas, so federal flood policies can be bought here. Across Bexar County, 4,411 residential NFIP policies were in force, roughly 1 for every 129 homes. Policyholders in the county have filed 275 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.
Your flood zone is a quick search away on the FEMA Flood Map Service Center.
The homes behind the risk
Line up every home in Scenic Oaks by age and the one in the middle was built in 2011. About 12% of homes went up before 1980, while 68% were built in 2000 or later. Median home value: $563,100, according to the latest five-year Census survey. The Bexar County figure is lower, at $262,200. Sale prices and rebuild costs can diverge in either direction, which is why carriers run their own replacement-cost estimate for the dwelling limit.
Local records and contacts for Scenic Oaks
The county for Scenic Oaks is Bexar County. Federal statistical definitions place Bexar County at the core of the San Antonio-New Braunfels metro area. Scenic Oaks lies northwest of San Antonio, around 19 miles away in a straight line.
Insurers often check the appraisal district record, so confirm that what the Bexar district shows at www.bcad.org matches your home. The district office address is 411 N. Frio St. San Antonio, TX 78207-4416. The NWS Austin/San Antonio, TX office handles forecasts and storm warnings for Scenic Oaks. The associated NEXRAD radar is KEWX.
Questions about weather risk in Scenic Oaks
Is hail a big risk for Scenic Oaks roofs?
Bexar County had 294 hail reports in NOAA’s records for 2016 to 2025, 242 of them with stones an inch or larger. FEMA’s National Risk Index rates the county’s hail risk very high. Impact-resistant roofing and a deductible you can afford are the two levers worth discussing with an agent.
What wind and hail deductible should I choose in Scenic Oaks?
A percentage deductible is calculated on your dwelling limit; for example, 2% of a $300,000 dwelling limit is $6,000 out of pocket per wind or hail claim. A flat-dollar deductible usually costs more in premium but is easier to budget. With 242 reports of inch-plus hail in Bexar County from 2016 through 2025, it is worth pricing both options.
Is Scenic Oaks in the TWIA coverage area?
No. TWIA only writes in the 14 first-tier coastal counties and part of Harris County, and Bexar County is not among them. Your homeowners carrier covers wind and hail.
Do I need separate flood insurance in Scenic Oaks?
Homeowners policies exclude flood, so it takes a separate NFIP or private flood policy. In Bexar County, about 1 in 129 homes has an NFIP policy. Buy early, because NFIP coverage generally starts 30 days after purchase.
Ready to price your Scenic Oaks home?
One call to 800-875-4711 or a short online form gets several carriers working on your quote.
About the data
Figures were retrieved in October 2026 and are estimates with margins of error. The two price cards are modeled estimates from Texas Insurance Resources, not quotes.
- Comptroller CAD listing, Bexar County
- FEMA National Risk Index, Bexar County
- Census metro delineation
- Gazetteer (Census)
- TWIA eligibility
- Census ACS 2020–2024, Scenic Oaks CDP: structure type, population, year built, home value, median year built, tenure
- FEMA disaster declarations, Bexar County
- NOAA NCEI storm reports, Bexar County
- NWS Austin/San Antonio, TX
- OpenFEMA flood insurance data, Bexar County
- Benchmarks: Bexar County value, Bexar County build year
- Comptroller 2024 regions