Serving 51,784 residents and 836 private establishments (Retail Trade & Dealerships) along I-37, SH-16 in Atascosa County (postal area 78064), underwriting weighs heavy commercial vehicle corridors, 32 decade hailstorms (peak 3.00"), and $242,700 residential rebuild values.
Calibrated to $242,700 (Zillow ZHVI (Sept 2026)). With 32 hail events and 9 high-wind gusts recorded since 2016, use the slider below to weigh $2,427 (1%) vs. $4,854 (2%) wind/hail deductibles on primary residences and rental dwellings.
| Metric | Atascosa Co. | TX Benchmark | Delta / Rating Signal |
|---|---|---|---|
| NOAA Hail (2016–2025) | 32 events (3.00" max, 2024) | 33 median | -1 vs. TX county median |
| Severe Wind & Tornadoes | 9 wind • 0 tornadoes | 30 wind med. | -21 wind events (71.5% rural area) |
| FEMA NFIP Penetration | 139 policies (5.2% SFHA) | 504,754 TX total | 1,102 of 21,391 homes in SFHA |
| Disaster Declarations (20-Yr) | 12 federal events | FEMA Title V | Latest: Flooding (2026) |
| Typical Dwelling Value | $242,700 | $206,100 med. | 1.18× TX county median (+5.7% pop.) |
| Owner / Renter Split | 75.1% Own / 24.9% Rent | 62.4% / 37.6% | -12.7 pts renter share ($59,817 med. inc.) |
| Commute & Corridors | 75.4% solo (50.6% 30m+) | 38.9% 30m+ | Routes: I-37, SH-16, US-281, SH-97 |
| Traffic Fatality Index | 17.5 / 100k | 13.5 / 100k | 1.30× statewide crash mortality |
| Private Businesses (CBP) | 836 establishments | NAICS census | Retail Trade & Dealerships (130); Auto Repair, Equipment & Personal Services (88); Restaurants, Hotels & Food Service (83) |
| Appraisal & Jurisdiction | Atascosa County Appraisal District | Alamo | FIPS 48013 • 1,219.5 sq. mi. |
Heavy truck and oilfield traffic along I-37, SH-16 drives a 17.5 per-100k fatality rate across Atascosa County (vs. 13.5 statewide). We quote $750k–$1M CSL commercial auto, gooseneck hotshot rigs, and TxDMV Form E / federal MCS-90 filings.
Operators and subcontractors among 836 local firms (Retail Trade & Dealerships; Auto Repair, Equipment & Personal Services) routinely need $1M/$2M General Liability, Primary & Non-Contributory endorsements, Waiver of Subrogation, and Texas Workers' Comp (§406.005).
Mobile welders, generators, skid steers, and diagnostic tools hauled along I-37, SH-16 are excluded by standard GL and auto policies. Scheduled and blanket Inland Marine floaters protect field gear in transit and on job sites.
Sharing I-37, SH-16 with heavy commercial traffic makes Uninsured/Underinsured Motorist (§1952.101) vital for families, while 32 decade hailstorms warrant comparing $2,427 (1%) vs. $4,854 (2%) roof deductibles.
All incorporated places and residential ZCTAs across 1,219.5 sq. miles (78064, 78026, 78011, 78065, 78008, 78113):
| Place | ZIP | Population | Type |
|---|---|---|---|
| Pleasanton | Shared ZCTA | 10,508 | CITY |
| Jourdanton | 78026 | 4,059 | County Seat |
| Poteet | 78065 | 2,863 | CITY |
| Lytle | 78052 | 2,192 | CITY |
| Charlotte | 78011 | 1,426 | CITY |
| Leming | Shared ZCTA | 549 | CDP |
| Christine | 78012 | 194 | TOWN |
Yes—across Atascosa County (32 decade hail events; 9 wind events), certified UL 2218 Class 4 impact shingles and metal roofs typically qualify for 10%–22% wind/hail credits, provided you review whether the carrier attaches a cosmetic hail-dent exclusion.
Never—HO-3, DP-3, and commercial property forms exclude surface water and rising floodwaters. OpenFEMA tracks 139 active residential flood policies and 1,102 SFHA structures (5.2%) locally across 12 disaster declarations; compare NFIP and private flood side by side.
Intrastate TxDMV and interstate FMCSA commercial carriers generally carry $750,000 to $1,000,000 Combined Single Limit (CSL) liability—with $500,000 minimum for certain intrastate vehicles over 26,000 lbs GVW—plus Form E or MCS-90 endorsements and scheduled cargo/equipment coverage.
Under Texas Labor Code §406.005, private employers may elect non-subscriber status, though general contractors and commercial leases across 836 local firms frequently require statutory Workers' Comp and Waiver of Subrogation before site access.
Our TDI-licensed producers quote 24 personal, property, flood, recreational, commercial fleet, contractor, and surety lines digitally across postal area 78064 and statewide. We do not write life insurance, pet insurance, or standalone coastal TWIA windstorm policies.
Digital intake for Atascosa County • Bundle Personal, Property, Flood, or Commercial.
