New Braunfels sits on I-35 between San Antonio and Austin, mostly in Comal County with part of the city in Guadalupe County. The Comal and Guadalupe rivers run through town, and the city has grown quickly with new subdivisions alongside historic neighborhoods, river-area rentals, and commercial corridors. It is also home to the National Weather Service Austin/San Antonio office, which issues the forecasts and warnings for the whole region. If you need a public adjuster in New Braunfels, TX, we can help with hail, wind, water, and freeze damage claims.
We do not keep an office in New Braunfels. We come to the property and handle the claim from there.
Storm risks in New Braunfels
New Braunfels faces the same severe-weather pattern as Bexar County, with hail most common in spring, damaging thunderstorm winds, and heavy rain along the Balcones Escarpment. The Bexar County NOAA records on this site include several events that reached into the New Braunfels area:
- September 9, 1997: severe thunderstorm winds damaged trees in the River Oaks subdivision in New Braunfels before moving into Bexar County.
- June 12, 1999: winds blew down trees and broke windows from Schertz to near New Braunfels.
- November 2004 and other heavy-rain events: NOAA narratives describe rainfall rates up to 3 inches per hour along the I-35 corridor from San Antonio through New Braunfels and San Marcos.
- January 16, 2018: about an eighth of an inch of ice in New Braunfels, Leon Valley, and San Geronimo.
- April 28, 2021: an NWS survey traced estimated 80 mph winds from northeast San Antonio to Bracken in Comal County, damaging trees, fences, and power lines.
For events recorded inside Comal or Guadalupe County, search the NOAA Storm Events Database directly. Our storm lookup tool shows Bexar County reports within your chosen radius, and the live weather page carries current NWS alerts.
New Braunfels properties and common claims
Properties in New Braunfels range from newer slab-on-grade homes with composition shingle roofs to older homes near downtown, Hill Country-style homes with metal roofs, river-area vacation rentals, and commercial buildings with low-slope roofs. Claims we commonly help with include:
- Hail damage to roofs, siding, windows, and HVAC units.
- Wind damage, including fallen trees and damaged fences.
- Flood damage near the rivers and creeks, which usually falls under a separate flood policy.
- Water damage from roof leaks and plumbing failures, and freeze damage after ice storms.
- Commercial and rental property claims, where business income or rental income coverage may matter.
After a heavy-rain event, the key question is often where the water came from. Rising river or surface water is typically a flood-policy matter; water that entered through storm damage to the roof or walls may fall under the property policy. Careful documentation of the water's path, with photos and dated notes, helps sort this out. Read more in our guide to flash flood damage and insurance.
Permits in New Braunfels
The City of New Braunfels has its own building permit and inspection office, separate from the City of San Antonio. Properties outside city limits follow county requirements. Confirm permits before replacing a roof or making structural repairs. Code-required upgrades are paid only if your policy includes ordinance or law coverage, up to its limit; see our building codes and insurance repairs guide.
How we help New Braunfels property owners
San Antonio Public Adjuster represents policyholders only, never the insurer. We inspect the property, document the loss, review the policy and the insurer's estimate, and handle communication with the insurer, including supplements and estimate reviews. We cannot promise a particular outcome; coverage depends on your policy and the facts. Request a Free Claim Review or call +1 (832) 503-5866.
Frequently Asked Questions
Which county is New Braunfels in?
Most of New Braunfels is in Comal County, and part of the city is in Guadalupe County. Your county matters mostly for finding the right NOAA storm records and local offices; your insurance policy works the same either way.
Does my homeowners policy cover river flooding?
Generally not. Standard homeowners and commercial policies exclude flood, including rising rivers and creeks. Flood coverage comes from the National Flood Insurance Program or a private flood policy, and NFIP policies typically have a 30-day waiting period. Check floodsmart.gov for details.
I own a short-term rental in New Braunfels. Is my claim different?
It can be. A property used as a rental may need a landlord, dwelling fire, or commercial policy rather than a standard homeowners policy, and loss of rental income is covered only if the policy includes it. Review the policy forms and declarations before and after a loss.
Who handles building permits in New Braunfels?
The City of New Braunfels has its own permit and inspection office. Properties outside city limits follow county requirements. Confirm with the right office before repairs begin.
What are public adjuster fees?
Fees are disclosed in a written contract before any work begins; Texas law caps public adjuster compensation at 10% of the insurance settlement. You may rescind within 72 hours of signing.