Kendall County Insurance: Fast Growth Meets the Risk Record

Kendall County, mapped by its federal declarations

Start with the federal record, because it is the map this county is insured by. Since 2000, 18 federal disaster declarations have covered Kendall County: 4 of them fire declarations, 4 of them flood declarations, and 3 of them winter storm declarations. Those counts are declarations covering the county, statewide events included, and they describe the weather the housing stock actually lives under, from the courthouse square in Boerne out through Comfort, Waring, Kendalia.

The count is the headline; the mechanism is the story. In Kendall County, one live peril is fire on dry ground, where wind and low humidity turn range and brush fires into structure fires at the wildland edge. A declaration is a county event; a claim is a street event. The distance between the two is where this county's insurance is actually decided.

Kendall County sits outside TWIA's designated catastrophe area. Wind and hail ride inside the regular homeowners policy here, and no windstorm certificate is required to buy coverage. One more door stands behind the voluntary market, the Texas FAIR Plan Association, and it opens only for homes that market has already refused.

Kendall County's most recent entry: July 2026

The newest line in the county's federal file is dated September 1, 2026: a major declaration for severe storms, straight-line winds, tornadoes, and flooding. That entry anchors this page because it is specific: a dated event, declared for this county, not a statewide average wearing the county's name. Behind it stand 18 declarations covering the county since 2000, and the sections of this page are priced off that file rather than off the state's averages.

Before that, the file shows July 2, 2025: severe Storms, Straight-Line Winds, and Flooding. Between them, the two dates bracket the period current premiums were priced in, which is why this page gives them a paragraph of their own.

The deductible, stated in dollars, in Kendall County

The exclusion to plan around is flood. A homeowners policy does not pay for rising water here, whatever the water's source. Homes in a Special Flood Hazard Area with a federally backed mortgage must carry flood insurance. A new National Flood Insurance Program policy normally waits 30 days before it covers, with a narrow exception when coverage is bought at a loan closing, so the decision belongs in the dry season, not in the forecast cone.

Price the percentage while it is still abstract. On a $287,500 home, a 2 percent deductible comes to $5,750, payable out of pocket before the policy pays. Set against this county's declaration record, that is the figure a household should hold in savings or consciously decide to risk.

Driving Kendall County, and what the minimums cover

The county's 5 ZIP codes describe a driving county: Boerne holds the courthouse and the schools, and work, worship, and groceries are reached by road. The legal floor is 30/60/25 liability: $30,000 per injured person, $60,000 per accident, $25,000 for property damage. Read it as what it is, a promise to strangers, funded by you. The weather side of the car file is comprehensive coverage; it is the line that answers for the car in a fire county's worst week: evacuation traffic, ember damage, and roads closed at the wrong hour. Two more lines ride on every Texas auto policy unless the buyer signs them away: personal injury protection, and uninsured motorist coverage. The rejection has to be in writing, and it deserves a pause before it is signed.

The working county around Boerne

Growth here is an employment story before it is a housing story: the payrolls around Boerne and Kendalia and Bergheim keep adding households, and each arrival's coverage file starts on an employer's calendar. What the schedule means in practice: coverage that starts late and ends early relative to the job itself, and a recurring local discovery that the house and the car were insured on assumptions the new job voided.

Medicare in a county where 39.61 percent chose Advantage

In the CMS September 2026 release, Kendall County counts 14,368 Medicare-eligible residents, with 39.61 percent enrolled in Medicare Advantage. Where most neighbors carry original Medicare and a supplement, the well-worn path is easy to follow without examining it. The examination is still worth doing once, at 65, when the supplement's price is at its lowest and the choice is widest. Free counseling, from people who sell nothing, is available through the Alamo AAA: 866-231-4922, with the statewide HICAP line at 800-252-9240 behind it.

Communities and ZIP codes in Kendall County

Bergheim, Boerne, Comfort, Kendalia, Waring.

78004 · 78006 · 78013 · 78027 · 78074