Compare more wisely in Selma with an independent agency that shops multiple carriers and explains the tradeoffs before you buy.
A closer look at Selma, TX
Around 9,108 people live in Selma in Texas.
Selma is part of Texas, where routine insurance shopping is driven more by the features of each home and carrier appetite than by any single landmark.
Housing here is a mix of single-family homes typical of Texas, but replacement cost, roof age, and construction type still explain most premium differences from street to street.
Carriers rating North Texas homes usually account for severe thunderstorms, hail, and tornado risk typical of the Plains.
Average cost of homeowners insurance in Selma
The typical homeowners insurance premium in Selma, TX is about $1,446 annually for a typical local home (typical local home value about $313,900). For a $300,000 dwelling, expect around $1,420 per year; for a $600,000 home about $1,998; and for a $1,000,000 dwelling about $2,600. Freedom Insurance Group rates are often about 41% lower — near $853 per year for a typical home, roughly $838 for a $300,000 home, about $1,179 for a $600,000 home, and around $1,534 for a $1,000,000 home.
| Dwelling Coverage Limits | Average Annual Premium (incl. Windstorm & Hail Coverage) |
|---|---|
| $100,000 – $200,000 | $1,104 |
| $200,000 – $300,000 | $1,234 |
| $300,000 – $400,000 | $1,515 |
| $400,000 – $500,000 | $1,715 |
| $500,000 – $600,000 | $1,909 |
| $600,000 – $700,000 | $2,061 |
| $700,000 – $800,000 | $2,187 |
| $800,000 – $900,000 | $2,352 |
| $900,000 – $1,000,000 | $2,517 |
Band premiums are midpoints on the Selma dwelling curve (typical local home value about $313,900). Illustrated estimates, not a quote.
Figures are 2026 market-style estimates for Selma, TX, using a typical local home value of about $313,900. Freedom figures apply an approximate 41% savings vs the local typical premium for illustration. Your quote depends on dwelling limit, roof, deductible, claims, and carrier. Not a guarantee.
Homeowners policy coverages, A through F
- Dwelling (A): It pays to rebuild the house itself after a covered loss, and it should match current reconstruction costs in your area.
- Other structures (Coverage B): Sheds, fences, detached garages, and the like separate from the main house are covered here.
- Coverage C, personal property: Your furniture, clothes, and everyday belongings inside the house are protected, though some higher-value categories carry special sublimits.
- Loss of use (D): Added costs of living elsewhere during repairs after a covered claim makes it unlivable.
- Personal liability (E): This coverage responds when you are legally responsible for harm to other people or their property caused by a covered incident.
- Medical payments (Coverage F): Medical bills for guests injured on your property, usually handled without any formal claim.
Savings opportunities for Selma, TX homeowners
| Discount | What it means | Typical amount |
|---|---|---|
| New Home | New construction recently purchased | up to 40% |
| Age of home (5 yrs) | Newer homes | up to 26% |
| Bundle | Home and auto together | up to 25% |
| Upgrades | Electrical, plumbing, heating, roof updates | up to 20% |
| Hail-resistant roof | Class 1–4 impact roof | up to 12% |
| Claims-free | Multi-year claims-free history | up to 5% |
| Security / alarms | Monitored fire or burglar alarm | up to 4% |
| Paid in full | Pay annual premium upfront | up to 7% |
Discounts are not uniform across carriers, and amounts differ too. Read “up to” as the maximum, not what everyone gets.
Home insurance price factors in Selma
Selma homeowners are priced on several connected factors that underwriters review when they build a quote. Rebuild cost, roof age and material, and local storm or wildfire exposure tend to move the number most, while deductible choice and claims history can swing the final premium as much as the carrier brand itself.
Think of replacement cost as the cost to rebuild the house with comparable materials at present-day prices. What the insurer might pay follows the rebuild estimate, so bigger estimates on Selma homes tend to mean bigger premiums.
Construction type and roof details round out the list: insurers ask whether walls are frame or masonry, what covers the roof, and the overall build quality, because those details shape how it handles the wind, hail, and fire seen across Texas.
Location risk captures storm, hail, wildfire, and crime scores that can vary by ZIP code and neighborhood within Selma, so two homes with similar rebuild costs may still price differently.
Fire protection weighs hydrant and fire-station distance along with the local protection class, and better protection ratings often support sharper pricing.
Carriers check claims history on every quote; recent claims tied to the home or the people in it often push the price up whether the Selma policy is new or renewing.
Credit-based insurance score can move the price in states that allow it: insurers relying on it generally offer lower premiums when scores are higher.
Neighborhoods around Selma
- Lookout Hollow
- Live Oak Hills
- Retreat at Chelsea Park
- Chelsea Crossing
- Kensington Ranch
- Mira Loma
- Villas at Mira Loma
- Legacy Oaks
- Loretto at Creekside
Housing and weather facts for Selma
Home heating in Selma runs mainly on electricity (93%) and utility gas (4.3%).
Named places the USGS records in and around Selma include Luxello, Bracken, and Live Oak. Rates can still differ from one section to the next because of roof age, construction, and fire-station distance.
The Census Bureau’s 2020–2024 American Community Survey counts about 4,387 housing units in Selma, and homeowners occupy close to 64% of the occupied homes. Of all units, 75% are detached single-family houses and 23% are in buildings with two or more units.
On tornadoes, NOAA lists 4 tornadoes touching down within 10 miles of Selma between 2016 and 2025, the strongest rated EF1 during February 2017.
From 2000 on, Bexar County has appeared in 8 major disaster declarations; the most recent was Severe Winter Storms (February 2021).
NOAA’s Storm Events Database lists 20 hail reports within about 5 miles of Selma from 2016 through 2025, 12 of them one inch or larger. Top size was 1.5 inches in March 2022.
Selma’s median year built is 2010. Roughly 50% of homes were built in 2010 or later, and age-of-home discounts are often in play.
The National Risk Index from FEMA shows elevated ratings for hail (“Very High”), tornado (“Very High”), wildfire (“Relatively Moderate”), and winter-weather (“Relatively High”) in Bexar County.
Selma traces its official start to 1964. Census counts put Selma at 788 residents in 2000 and 5,540 in 2010, and the Census Bureau’s July 2024 estimate is 11,900. That is growth of roughly 1410% since 2000.
Earlier hail records help too: the Storm Prediction Center lists 14 hail reports within 5 miles of Selma between 1955 and 2015, topped by hail of 2.5 inches on May 3, 1991. 1 of those reports were 2 inches or larger. NOAA Storm Prediction Center records list 11 tornadoes that began within 10 miles of Selma from 1950 through 2015; the most powerful, rated F2, touched down on July 12, 1954.
Shopping around the area? Nearby home insurance pages: Universal (2 mi), Live Oak (3 mi), and Schertz (4 mi).
ZIP codes we cover near Selma
78154 · 78148 · 78233 · 78108 · 78109
Home-and-auto bundles in Selma, TX
Illustrative average bundling savings, not a quote. Actual savings vary with the carriers and drivers involved.
| Place | 1-car bundle | 2-car bundle | 3-car bundle |
|---|---|---|---|
| Selma, Texas | $258 | $436 | $636 |
More Texas insurance resources
Selma, TX home insurance quotes
For Selma residents, Freedom Insurance Group shops 25+ carriers. Request a free home quote online or phone (800) 253-1482.
