Moon Insurance Managers, Inc. · TDI license #5595
Home insurance in San Antonio, a city that takes both inland perils
Bexar County is the only market on this list that has to answer both inland questions at full strength. It sits on the same escarpment as Austin, so it floods in minutes — and it has taken a billion-dollar hailstorm, which is not the reputation the city has.
San Antonio, Texas
- County
- Bexar County
- Wind & hail
- Inside the homeowners policy
- Flood (CRS)
- Confirmed with the city at application
- Appraisal district
- Bexar Appraisal District
- License petitions
- Bexar County courts
- 41years in Houston
- 20+markets compared
- Same dayDPS filing
- #5595TDI license
Bigger than the reputation
A single storm, $1.4 billion insured
San Antonio is not thought of as hail country the way the Dallas–Fort Worth metroplex is, and the loss history does not entirely support the distinction. A 2021 hailstorm produced roughly $1.4 billion in insured losses across this metro in one event, and Bexar County averages several damaging hailstorms a year.
The consequence for a policy here is the same set of provisions carriers use in the metroplex: a percentage wind-and-hail deductible, a roof payment schedule that settles older roofs on depreciated value, and TDI Endorsement HO-145 excluding cosmetic damage to roof coverings caused by hail. All three are laid out properly on the Dallas page rather than half-explained twice.
The San Antonio-specific point is simpler and it costs people real money: the deductible that applies to hail is not the deductible printed at the top of your policy. A 2 percent wind-and-hail deductible on a $400,000 dwelling limit is $8,000. The all-other-perils deductible on the same page might read $2,000. They are different numbers for different events and the larger one governs the storm you are most likely to claim on.
The other peril
Creeks that turn a rainstorm into an event
San Antonio sits on the Balcones Escarpment, in the same flash flood region as Austin — the stretch the National Weather Service documents as producing more flash floods per square mile than anywhere in North America. Thin soils over limestone, steep gradients, and creeks that funnel water through the city faster than the ground can absorb it.
The Olmos Creek and San Pedro Creek drainages carry that pattern right through developed parts of the city, which is why moderate rainfall can produce a sudden and localized flood a few blocks wide. The geology behind it is on the Austin page.
None of it is covered by a homeowners policy. Bexar County publishes that plainly on its own flood pages and it is still the most common thing we have to correct: rising water is a separate policy, from the NFIP or a private carrier, with a 30-day waiting period before it takes effect.
Both, not either
What a complete San Antonio file looks like
Because both perils are live here, the failure mode is answering one question well and forgetting the other exists. A complete account in Bexar County has three things settled:
- The hail terms, read deliberately Deductible, roof schedule, HO-145
- Know which of the three are on your policy and what each one saves you at renewal against what it costs you at a claim. Any of them can be the right choice. None of them should be a surprise.
- A flood decision, made in a dry week 30-day waiting period
- Priced rather than assumed. Property outside the mapped Special Flood Hazard Area is rated as a lower flood risk, and in a flash flood watershed being outside the mapped area is a weaker guarantee than it is elsewhere.
- A dwelling limit that is a rebuild cost Bexar Appraisal District is a tax number
- The Bexar Appraisal District valuation and your replacement cost are two different figures, and the percentage deductibles above are calculated off the dwelling limit — so setting it correctly changes both what you are covered for and what you pay first.
No obligation
Get a quote for San Antonio
Tell us the address and what you are insuring. The phone is fastest: (281) 484-8320. There is a longer quote request form if you would rather write it down.
We are an independent agency and every line on this site is written statewide, so the address decides the carrier rather than the other way round — which is the whole reason the county facts above are on this page instead of in a brochure.
Monday to Thursday, 9:00 to 5:00; Friday, 9:00 to 4:00. 360 FM 1959, Houston, TX 77034.
San Antonio questions we get
Does San Antonio really get serious hail?
Yes, and the numbers are larger than the reputation. A single 2021 hailstorm produced roughly $1.4 billion in insured losses across the San Antonio metro. Bexar County averages several damaging hailstorms a year. It is not the metroplex, but it is not the mild market people assume either.
Which deductible applies to a hail claim?
The wind-and-hail deductible, which on most Texas homeowners policies is a separate and larger figure than the all-other-perils deductible — often 1 to 3 percent of the dwelling limit rather than a flat dollar amount. They sit on the same declarations page and people routinely read the smaller one.
Does San Antonio flood?
It does, and quickly. The city sits on the same Balcones Escarpment as Austin, in the flash flood region the National Weather Service documents as producing more flash floods per square mile than anywhere in North America. Olmos Creek, San Pedro Creek and the wider creek network move water through the city fast enough that moderate rainfall becomes a sudden event.
Is flood covered by my homeowners policy?
No. No homeowners policy in Texas covers rising water. Flood is a separate policy through the NFIP or a private carrier, with a 30-day waiting period. Bexar County says the same thing on its own flood pages, and it is still the most common misunderstanding we hear.
Do I need windstorm insurance in San Antonio?
No. Bexar County is inland and outside the designated catastrophe area, so wind and hail stay inside the homeowners policy rather than moving to a separate windstorm policy. That is a coastal arrangement and it does not reach this far west.
Can a Houston agency write my San Antonio policy?
Yes. Independent Texas agency, TDI license #5595 — every line on this site is written statewide. Two hundred miles is irrelevant to where a carrier will write; the address on the application is what it rates.
Where to go next
- Homeowners insurance Where both deductibles live
- Flood insurance NFIP and private, and the 30-day wait
- The hail provisions Roof schedules and HO-145, written out in full
- Flash Flood Alley Why the escarpment floods the way it does
- Auto insurance Any record — and hail damages cars too
- Every city we serve Thirteen Texas markets, by county
San Antonio is one of thirteen — every city we write in, by county →