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Home Insurance in Windcrest, TX
Storm reports, flood records and FEMA hazard ratings for Bexar County, with plain-English notes on how hail and tornadoes risks show up in a Windcrest policy.
$3,277/yr
About $273/mo · ~$300k-$400k dwelling class
$2,038/yr
About $170/mo after modeled shopping discount
About 37.8% below local market estimate
Windcrest hazard snapshot
FEMA’s National Risk Index rates overall natural-hazard risk in Bexar County as relatively high. Hazard by hazard, the strongest scores are for hail (very high), tornadoes (very high) and inland flooding (very high).
With hail rated very high, the roof is the line item to watch: compare wind/hail deductibles and how each carrier settles roof claims.
FEMA rates tornado risk very high here; adequate dwelling and other-structures limits matter more than any special endorsement.
Inland flood risk is very high in Bexar County; heavy rain can flood homes outside mapped zones, and homeowners policies exclude it.
With winter weather rated relatively high, roof damage from ice and frozen-pipe claims are the usual concerns.
Recent severe weather in Bexar County
NOAA’s Storm Events Database logs 294 hail reports in Bexar County from 2016 through 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. NOAA lists 5 tornadoes in Bexar County between 2016 and 2025, the strongest rated EF2 on February 19, 2017.
Straight-line thunderstorm winds generated 95 reports, peaking around 85 mph. NOAA also counts 174 flash flood events in the county in that period.
Bexar County appears in 7 presidential major disaster declarations for weather and other natural hazards from 2000 onward. The latest declarations were Severe Winter Storms (2021), Hurricane Harvey (2017) and Hurricane Dolly (2008).
Who covers wind in Windcrest?
Since Bexar County is not a TWIA county, look at how your homeowners policy handles wind and hail, including whether that deductible is a flat amount or a percentage of the dwelling limit.
Flood insurance in Windcrest
NFIP flood policies are available in Windcrest, a participating community. Its current effective flood map dates to June 2020. Only about 1 in 129 homes in Bexar County carries an NFIP policy (4,411 residential policies). Since 2016, 275 NFIP flood claims have come from Bexar County. Flood needs its own policy, and buying one right before a storm will not help because of the usual 30-day wait.
Search the FEMA Flood Map Service Center by street address to find your zone.
Windcrest housing in brief
According to the Census Bureau, the typical home in Windcrest went up around 1973. Roughly 76% of the housing stock predates 1980 and 11% is from 2000 onward. Homeowners in Windcrest report a median value of $302,000. That is well above the Bexar County median of $262,200. A home’s market value is a starting point only; the dwelling limit should reflect labor and materials to rebuild it at today’s prices.
Where Windcrest homeowners can check the details
Windcrest is in Bexar County. Bexar County is a central county of the San Antonio-New Braunfels metropolitan area. By straight-line distance, Windcrest is about 9 miles northeast of San Antonio.
Square footage and build year on file with the Bexar appraisal district (www.bcad.org) feed straight into replacement-cost estimates, so check them for errors. You can also visit the office at 411 N. Frio St. San Antonio, TX 78207-4416. For local warnings, the responsible National Weather Service office is NWS Austin/San Antonio, TX. The radar the weather service assigns to this point is KEWX.
FAQ: Windcrest storm and flood coverage
What does the hail record look like near Windcrest?
NOAA’s Storm Events Database lists 294 hail reports in Bexar County from 2016 through 2025, 242 of them with stones an inch or larger. FEMA’s National Risk Index rates the county’s hail risk very high. Keep photos of your roof’s condition so a future claim is easier to document.
Does homeowners insurance in Windcrest cover flooding?
Flood is not part of a homeowners policy; it is bought separately through the NFIP or a private insurer. NFIP coverage is available because Windcrest is a participating community, and its current flood map took effect in June 2020. Only about 1 in 129 Bexar County homes carries NFIP coverage. New NFIP policies usually take 30 days to start.
Is homeowners coverage mandatory for Windcrest homeowners?
State law does not require it. Your lender will, though, and if coverage lapses the lender can place a policy for you that usually costs more and covers less.
Will my policy cover foundation problems from drought in Windcrest?
Generally no. Settling and earth movement are excluded on most homeowners forms, even though drought, rated relatively moderate in Bexar County by FEMA, can move foundations. A covered water leak that damages the slab may be the exception.
Request a Windcrest homeowners quote
Compare carriers with Texas Insurance Resources. Call 800-875-4711 or request a quote online.
Sources for this Windcrest page
Data reflects the most recent releases available in October 2026; survey figures carry margins of error. Premium figures in the estimate cards are illustrative models, not quotes.
- County and state comparisons: Bexar County value, Bexar County build year
- NFIP data (OpenFEMA), Bexar County
- OMB metro and micro areas
- Census Gazetteer coordinates
- NWS Austin/San Antonio, TX
- American Community Survey 2020–2024, Windcrest city: home value, structure type, population, year built, median year built, tenure
- Disaster declarations (FEMA), Bexar County
- National Risk Index (FEMA), Bexar County
- Comptroller economic regions
- Comptroller county directory, Bexar County
- FEMA Community Status Book
- Texas Windstorm Insurance Association
- Storm Events Database (NOAA), Bexar County