Medina County Insurance: Reading 14 Declarations from Hondo

The declaration record is the map in Medina County

Medina County's exposure, stated the way the federal record keeps it: 14 disaster declarations covering the county since 2000, 4 of them hurricane declarations, 2 of them fire declarations, and 2 of them winter storm declarations. Countywide events are in those numbers alongside local ones, which is the honest way to read them: the risk belongs to the county as a whole, from Hondo outward.

What the record describes, in this county's case, is a mechanism: Gulf storms arrive as wind first and water second, and the water does most of the lasting damage. The mechanism is also why county averages mislead: they average the ridge and the creek bottom into one number that describes neither.

One boundary matters before anything else: Medina County sits outside TWIA's designated catastrophe area. Wind and hail stay in the regular homeowners policy. Refused everywhere else, a home in this county has one remaining address for coverage: the Texas FAIR Plan Association.

The reference event on Medina County's own record

On September 1, 2026, the federal record added the county's most recent major declaration, for severe storms, straight-line winds, tornadoes, and flooding. It matters out of proportion to its single line, because it is the freshest evidence underwriters in this county actually cite. Underneath it sit 14 declarations in total since 2000; the coverage sections below are organized to answer that whole file, not just its newest line.

The entry before it is dated February 19, 2021, for severe winter storms. A county's recent file is what a renewal letter is made of, and this county's recent file has two majors in it.

Flood in Medina County is a separate policy with a cash deductible

Policyholders discover the structure in the wrong order after a storm, so take it in the right order now: the homeowners policy excludes flood, and everything else on this page is arranged around that fact. 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. Take a $437,500 home with a 2 percent deductible: the household's share of the first storm claim is $8,750, in cash, before the insurer's share begins. In Hondo that is real money on local wages, and it should be a chosen number, not a discovered one.

Medina County's roads, and the two halves of the car policy

The county's 9 ZIP codes describe a driving county: Hondo holds the courthouse and the schools, and work, worship, and groceries are reached by road. What the law requires is liability at 30/60/25 at minimum: $30,000 per injured person, $60,000 per accident, $25,000 for property damage. What the law does not require is a single dollar toward your own vehicle. The coverage that answers for your vehicle is comprehensive, which pays when the loss is storm water standing in a lot or a surge pushed up a road. Personal injury protection and uninsured motorist coverage must be offered in Texas and stand unless you reject them in writing.

Where Medina County works, and when its coverage moves

Growth here is an employment story before it is a housing story: the payrolls around Hondo and D Hanis and Yancey keep adding households, and each arrival's coverage file starts on an employer's calendar. The pattern repeats across every employer on the list: the health plan is a term of employment, not a household asset. It arrives with the first paycheck's paperwork and leaves with the last one's, and the home and auto policies never hear about either date.

Medicare in Medina County, and the free help at Hondo

CMS counts 11,972 Medicare-eligible residents in Medina County in its September 2026 release, and 57.23 percent of them are enrolled in Medicare Advantage. The county is divided between the two routes with neither dominant, so the choice here is genuinely individual: networks and formularies on one side, supplement premiums on the other. The county's free, unbiased counseling runs through the Alamo AAA: 866-231-4922. The statewide HICAP number is 800-252-9240.

Communities and ZIP codes in Medina County

Castroville, D Hanis, Devine, Hondo, La Coste, Mico, Natalia, Rio Medina, Yancey.

78009 · 78016 · 78039 · 78056 · 78059 · 78066 · 78850 · 78861 · 78886