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Home Insurance in Selma, TX
Six steps to a better homeowners policy in Selma, built around Bexar County hazard and housing data.
A six-step plan for insuring a Selma home
- Gather your home’s details. Your property record, including square footage and year built, is on the Bexar appraisal district site at www.bcad.org (phone 210-242-2432). You can also visit the office at 411 N. Frio St. San Antonio, TX 78207-4416.
- Set the dwelling limit from rebuild cost. Owners in Selma put the median value of their homes at $313,900. The Bexar County figure is lower, 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.
- Pick deductibles with local storms in mind. Hail turned up 294 times in Bexar County in NOAA’s database between 2016 and 2025. 242 of those involved stones an inch or larger, the size that commonly damages shingles. On May 3, 2021, observers reported hail as large as 5.5 inches. Price both a flat and a percentage wind/hail deductible before choosing.
- Sort out windstorm coverage. 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.
- Decide on flood coverage. The city takes part in the National Flood Insurance Program, which makes federal flood policies available. Its current effective flood map dates to September 2010. 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. Flood needs its own policy, and buying one right before a storm will not help because of the usual 30-day wait. You can check your flood zone by address at the FEMA Flood Map Service Center.
- Line up quotes side by side. Ask every carrier to quote the same dwelling limit, deductibles and endorsements, then compare price and claim terms. An independent agency can run several Selma quotes at once; start a quote here.
$3,213/yr
About $268/mo · ~$300k-$400k dwelling class
$1,780/yr
About $148/mo after modeled shopping discount
About 44.6% below local market estimate
Numbers to keep handy
FEMA’s county-level National Risk Index puts Bexar County in the relatively high band overall. The highest-rated individual hazards are hail (very high), tornadoes (very high) and inland flooding (very high).
Selma and its housing
County figures on this page refer to Bexar County, which holds the largest share of Selma; it also extends into Comal County and Guadalupe County. The San Antonio-New Braunfels metro area counts Bexar County among its central counties. Head about 15 miles from Selma and you reach San Antonio, the nearest larger city.
In Selma, 64% of occupied homes are lived in by their owners and 75% of units are detached houses. The median home in Selma was built in 2010. Homes built before 1980 make up about 3% of the total; those built since 2000 account for 87%.
Severe weather warnings for Selma come from the NWS Austin/San Antonio, TX office. The radar the weather service assigns to this point is KEWX.
Before you buy in Selma
How often should I shop coverage in Selma?
Yearly is a good habit, plus whenever your premium jumps, you finish a remodel or you replace the roof.
Is home insurance required in Selma?
No Texas law requires it, but mortgage lenders almost always do, and they can buy costly force-placed coverage if your policy lapses.
How do wind and hail deductibles work in Selma?
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. Bexar County logged 242 reports of hail an inch or larger from 2016 through 2025, so run the numbers both ways.
What does the Selma savings estimate on this page mean?
On this page we model a 44.6% gap between the local market estimate and our estimate for Selma. It is not a quote, and actual savings can be higher, lower or zero.
Compare Selma home insurance quotes
Talk to a licensed Texas Insurance Resources agent at 800-875-4711, or get a quote online.
Where the Selma numbers come from
Data reflects the most recent releases available in October 2026; survey figures carry margins of error. Price estimates near the top are Texas Insurance Resources models for comparison, not quotes or published averages.
- NOAA Storm Events Database, Bexar County
- FEMA disaster declarations, Bexar County
- NWS Austin/San Antonio, TX
- TWIA coverage area
- Comptroller economic regions
- OpenFEMA flood insurance data, Bexar County
- FEMA NRI county ratings, Bexar County
- Comptroller CAD listing, Bexar County
- Community Status Book (NFIP)
- Comparison figures: Bexar County value, Bexar County build year
- Census Bureau ACS five-year data, Selma city: home value, year built, structure type, median year built, population, tenure
- Census CBSA delineation
- Census Gazetteer files