Texas Released Real Insurance Data for 2019–2025 — Here's What San Antonio Homeowners Need to Know

If you have ever felt like you were guessing when it came to homeowners insurance in San Antonio, the Texas Department of Insurance wants to change that. TDI has published a detailed public dataset covering homeowners insurance claims and average premiums by county for every year from 2019 through 2025, along with a searchable tool that lets consumers look up rate filings from individual insurers. It is the kind of transparency that can genuinely shift the way people approach buying, selling, or owning a home in this market.

The headline number is significant. Texas insurers paid out $8.74 billion in homeowners losses in 2025 alone. That is a statewide figure, but it lands close to home for anyone living in or moving to the San Antonio metro. Bexar County sits in the heart of Texas storm country, and the data reflects that reality: wind and hail claims have made up an average of 62 percent of homeowners losses across the state since 2019. In a region that sees its share of spring and summer severe weather, that statistic is not a surprise, but seeing it documented so plainly should prompt every homeowner and prospective buyer to take it seriously.

For buyers, this data is a genuine resource during the search process. If you are comparing homes in Stone Oak, Helotes, Converse, or Leon Valley, you can now look beyond the listing price and dig into what insurance actually costs in those areas. Average premiums vary by county, and the TDI tool lets you see how different carriers have filed their rates over time. A home in a hail-prone corridor that looks affordable at first glance may carry insurance costs that shift your monthly payment more than you expect. Shopping with that information in hand puts you in a much stronger position at the negotiating table.

Sellers benefit from this transparency too, though it cuts both ways. If your home in Alamo Ranch, Shavano Park, or the 78258 or 78230 ZIP codes has been well-maintained, has a newer roof, and sits in an area with a solid claims history, that is a selling point worth highlighting. Buyers who are doing their homework will look at insurance costs as part of their total cost of ownership. Helping them see that your home is insurable at a reasonable rate can actually strengthen your offer situation. On the other hand, if your roof is aging or your property has a claims history, expect informed buyers to ask about it directly.

Renters often think insurance data does not apply to them, but it does in a real way. Landlord insurance costs in high-claim areas get passed through in the form of higher rents over time. If you are renting in a neighborhood like Southside San Antonio, Lackland Terrace, or anywhere along the I-10 corridor, understanding that your landlord's operating costs are partly driven by wind and hail exposure helps you understand your own housing market. It also reinforces why renters insurance, which TDI's tools can help you research, is worth every dollar.

For current homeowners, especially those in established neighborhoods like Alamo Heights, Terrell Hills, or the 78209 ZIP code where older homes may have original roofing materials, this data is a prompt to act before the next renewal cycle. June is already here, which means we are squarely in the season when San Antonio sees its most active storm activity. Reviewing your current policy against what TDI's rate filing search shows for competing carriers could reveal real savings or, just as importantly, gaps in your coverage that you did not know existed.

The 62 percent wind and hail figure should drive a specific conversation with your agent or carrier: what exactly does your policy cover when a hailstorm rolls through your ZIP code, and what does it exclude? Many policies have shifted in recent years toward actual cash value rather than replacement cost for roofing claims, which can leave homeowners significantly short when it is time to rebuild. The TDI data does not answer that question for you, but it gives you the context to ask it with urgency.

What makes TDI's release particularly useful is that it covers six years of history. You can see trend lines rather than just a single snapshot, which matters in a market where premiums have been moving. If you are working with a real estate agent, a lender, or a financial planner on a home purchase in Greater San Antonio, encourage them to incorporate this data into the conversation. Insurance is no longer a checkbox at closing. It is a meaningful line item that deserves the same attention as your property tax estimate or HOA fees.

The TDI data is publicly available and free to access. Taking an hour to explore it before your next home decision is time well spent.