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Home Insurance in Schertz, TX
Schertz homeowners insure against tornadoes and inland flooding first, according to FEMA’s county ratings. This page lays out the local hazard data and what it means for coverage.
$3,521/yr
About $293/mo · ~$300k-$400k dwelling class
$2,260/yr
About $188/mo after modeled shopping discount
About 35.8% below local market estimate
Schertz hazard snapshot
In FEMA’s National Risk Index, Guadalupe County carries an overall rating of relatively moderate. Its leading hazards, by rating, are tornadoes (relatively high), inland flooding (relatively high) and lightning (relatively high).
Tornadoes rate relatively high in Guadalupe County, so an up-to-date home inventory and enough debris-removal coverage are worth confirming.
With inland flooding rated relatively high, a separate flood policy is the only way to cover water that enters from outside.
Lightning is rated relatively high in Guadalupe County. Fire from a strike is a covered peril; ask how your policy treats power-surge damage to appliances and electronics.
Hail risk here is relatively moderate. Cosmetic-damage exclusions for metal roofing and roof-age settlement schedules vary by carrier, so read those sections.
Ten years of storm reports in Guadalupe County
From 2016 to 2025, 39 hail events were recorded in Guadalupe County in NOAA’s Storm Events Database. 28 of those involved stones an inch or larger, the size that commonly damages shingles. The largest reported hail was 2 inches on May 3, 2021. NOAA lists 3 tornadoes in Guadalupe County between 2016 and 2025; the most intense was an EF2 on March 21, 2022.
Straight-line thunderstorm winds generated 53 reports, peaking around 81 mph. NOAA also counts 12 flash flood events in the county in that period.
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).
Who covers wind in Schertz?
There is no TWIA option in Guadalupe County, so the homeowners carrier handles wind and hail, and its deductible for those perils can differ from the all-other-perils deductible.
Flood exposure and the NFIP in Schertz
Because Schertz is an NFIP participating community, homeowners can buy National Flood Insurance Program coverage. The effective FEMA flood map for the community is from September 2010. NFIP data counts 2,244 residential flood policies in Guadalupe County, about 1 for every 28 homes. NFIP records show 40 flood claims in the county since 2016. Remember that flood is excluded from homeowners policies and NFIP coverage usually starts 30 days after purchase.
Look up your address on the FEMA Flood Map Service Center to see your flood zone.
Schertz housing in brief
Half of the housing in Schertz dates from 2002 or earlier, per Census estimates. Roughly 17% of the housing stock predates 1980 and 55% is from 2000 onward. The median owner-estimated home value in Schertz is $317,100. The Guadalupe County median is similar, at $304,400. Land value is part of a sale price but not of a rebuild, so the right Coverage A figure can be well above or below market value.
Local offices for Schertz homeowners
Schertz straddles county lines; county-level figures here use Guadalupe County, though parts of Schertz sit in Bexar County and Comal County. In the federal metro delineation, Guadalupe County anchors the San Antonio-New Braunfels metro. New Braunfels is the closest larger city, roughly 12 miles away, with Schertz to its southwest.
Insurers often check the appraisal district record, so confirm that what the Guadalupe district shows at www.guadalupead.org matches your home. You can also visit the office at 3000 N. Austin St. Seguin, TX 78155-7320. For local warnings, the responsible National Weather Service office is NWS Austin/San Antonio, TX. The associated NEXRAD radar is KEWX.
Schertz hazard and coverage questions
Are tornadoes covered on a Schertz home policy?
Yes. Tornadoes fall under the windstorm peril, so the wind and hail deductible applies. Guadalupe County had 3 tornadoes in NOAA’s 2016 to 2025 records, which is a good reason to check your dwelling, other-structures and debris-removal limits.
Is hail a big risk for Schertz roofs?
Guadalupe County had 39 hail reports in NOAA’s records for 2016 to 2025, 28 of them with stones an inch or larger. FEMA’s National Risk Index rates the county’s hail risk relatively moderate. Roof age, roof material and the wind and hail deductible drive most of the price difference between quotes.
What wind and hail deductible should I choose in Schertz?
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. With 28 reports of inch-plus hail in Guadalupe County from 2016 through 2025, it is worth pricing both options.
Do I have to carry homeowners insurance in Schertz?
Texas does not mandate homeowners insurance, yet nearly every mortgage requires it. Owners without a loan still carry the full cost of a fire, hail or theft loss if uninsured.
Request a Schertz homeowners quote
Talk to a licensed Texas Insurance Resources agent at 800-875-4711, or get a quote online.
Sources and methodology
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.
- Census CBSA delineation
- Census Gazetteer files
- NFIP data (OpenFEMA), Guadalupe County
- Comptroller 2024 regions
- NFIP Community Status Book
- Census Bureau ACS five-year data, Schertz city: structure type, tenure, population, home value, median year built, year built
- FEMA disaster declarations, Guadalupe County
- NWS Austin/San Antonio, TX
- Texas property tax directory, Guadalupe County
- National Risk Index (FEMA), Guadalupe County
- NOAA Storm Events Database, Guadalupe County
- TWIA coverage area
- County and state comparisons: Guadalupe County value, Guadalupe County build year