Insurance
Homeowners Insurance in San Antonio
Published September 24, 2026 · Last updated September 30, 2026
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The flood gap
Standard homeowners insurance doesn't cover flooding. That includes water that rises from a creek, pours across your yard in a storm, or backs up from overwhelmed streets.
Bexar County is prone to flash flooding, the kind that can rise in minutes. The county has 150 HALT stations at flood-prone road crossings that warn drivers when water rises. Flooding in San Antonio isn't limited to riverfront homes.
To be covered, you need a separate flood policy:
- Buy it before you need it. Policies from the National Flood Insurance Program generally take 30 days to start. You can't wait for the forecast.
- Check your flood zone. FEMA flood maps show your risk. Lower-risk areas usually pay less for flood insurance.
- Outside a high-risk zone? Still consider it. Your lender may not require it, but flash floods don't follow map lines.
See flood insurance for how it works.
Lower your flood damage risk with tips from Bexar County:
- Raise your furnace, water heater, and electrical panel if you're in a higher-risk area.
- Install check valves so flood water can't back up through your drains.
Hail and your roof
Hail is the other big San Antonio risk. Before you buy, check:
- Your wind and hail deductible. Many Texas policies use a percentage of your dwelling coverage. A 2% deductible on a $300,000 home is $6,000.
- How your roof is paid. Some policies pay only the depreciated value of an older roof.
- Impact-resistant roofing credits. Some Texas insurers give credits for qualifying roofs.
The details are on our Dallas homeowners insurance page, and they apply across Texas.
Claim deadlines your insurer must meet
When you file a claim in Texas, your insurance company can't take forever. The Texas Department of Insurance says your company must:
| Step | Deadline |
|---|---|
| Tell you it received your claim | Within 15 business days |
| Decide whether to pay | Within 15 business days after it gets what it needs from you |
| If it needs more time | It can extend by up to 45 days, but it must tell you why |
| If it denies your claim | It must explain why in writing |
If your insurer misses these deadlines or you have another problem, call the TDI Help Line at 800-252-3439.
After a storm or flood: take photos of all damage, make temporary repairs to stop more damage, and keep every receipt.
What changes your price in San Antonio
- Your roof: age, material, and hail resistance
- Your deductibles, including wind and hail
- Your home's rebuild cost
- Your claims history
- Your location, including flood and hail exposure
Not a quote or an offer. Your price comes from the insurance company.
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Related services
After a storm, see roof replacement, hail damage roof repair, and water damage restoration. Worried about a wet foundation? See foundation repair.
More home insurance guides: Homeowners insurance cost · Condo insurance · Renters insurance · Landlord insurance · Mobile home insurance · Flood insurance · Umbrella insurance · How much homeowners insurance you need · Renters insurance basics · How to get renters insurance · All insurance
More Texas guides: Texas homeowners insurance · Houston homeowners insurance · Dallas homeowners insurance · San Antonio car insurance · Texas roofing laws
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Renters Insurance
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Condo Insurance
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Landlord Insurance
Explore coverage options for a property you rent out.
Flood Insurance
Explore flood coverage, which standard home policies usually exclude.