San Marcos Public Adjuster serves San Marcos, the rest of Hays County, and neighboring communities in Caldwell, Comal, and Guadalupe counties. We do not run storefront offices. Instead, we come to the damaged property, inspect it, document the loss, and handle the claim with your insurer from there. Below is a look at each area we cover and the kinds of weather it has actually recorded, drawn from the NOAA National Centers for Environmental Information (NCEI) Storm Events Database and National Weather Service summaries.
To check reports near a specific place, search a city or ZIP code with the storm lookup tool or browse Hays County storm history.
San Marcos: our home service area
San Marcos is the Hays County seat, sitting on I-35 about 25 miles south of Austin, with Texas State University and the spring-fed San Marcos River at its center. The Census Bureau’s Vintage 2025 estimate puts the population at 77,830. As a San Marcos public adjuster, most of our work starts here, and the NOAA record shows why. Hays County has logged 180 hail reports since 1967, 58 of them golf-ball size or larger, and the county’s largest stone, 4.5 inches, fell just north of San Marcos on March 16, 2000. On May 9, 2024, 3-inch hail fell at San Marcos Academy and 70 mph gusts damaged roofs and downed trees across the city.
Water is the other big risk. San Marcos sits on the Balcones Escarpment in “Flash Flood Alley,” and during the Memorial Day flood of May 2015 the San Marcos River crested at 43.08 feet while the NWS issued a Flash Flood Emergency for the city. New FEMA flood maps took effect January 17, 2025. Housing ranges from newer slab-on-grade subdivisions with composition shingle roofs, to student rentals and apartment complexes near Texas State, to older homes in the historic neighborhoods near downtown, plus flat and low-slope commercial roofs along I-35. Repairs inside city limits follow the city’s adopted codes; see our San Marcos building codes guide.
Communities we serve
| Community | County | Direction from San Marcos (approx.) |
|---|---|---|
| Kyle | Hays | About 9 miles north on I-35 |
| Buda | Hays | About 15 miles north on I-35 |
| Wimberley | Hays | About 12 miles northwest |
| Dripping Springs | Hays | About 24 miles north-northwest |
| New Braunfels | Mostly Comal, part Guadalupe | About 16 miles southwest on I-35 |
| Lockhart | Caldwell (county seat) | About 15 miles east |
| Seguin | Guadalupe | About 20 miles south |
| Martindale | Caldwell | About 6 miles east-southeast |
Distances are straight-line estimates between town centers.
Kyle
A growing Hays County city on I-35 with many newer subdivisions. NOAA records 75 mph gusts on January 10, 2020 that blew siding off a house and left multiple homes with shingle damage, and tennis-ball-size hail near Simon Middle School on May 22, 2025.
Buda
At the north end of Hays County near the Travis County line. During the October 30–31, 2015 storms, an observer just west-northwest of Buda measured 18.46 inches of rain in two days, part of the flooding covered by FEMA DR-4245.
Wimberley
A Hill Country community on the Blanco River and Cypress Creek. In the May 2015 Memorial Day flood the Blanco River at Wimberley rose from about 5 feet to about 41 feet in roughly four hours (FEMA DR-4223). NOAA also lists an EF1 tornado on February 19, 2017 and two EF0 tornadoes south of town on June 12, 2025.
Dripping Springs
In northwest Hays County along US 290. NOAA records 3-inch hail south of Dripping Springs on May 9, 2024, and the January–February 2023 ice storm left about half an inch of ice there.
New Braunfels
Mostly in Comal County, with part of the city in Guadalupe County, along I-35 southwest of San Marcos. It is home to the National Weather Service Austin/San Antonio office that issues forecasts and warnings for the whole area. New Braunfels has its own permit office and code adoptions.
Lockhart
The Caldwell County seat, east of San Marcos. Lockhart properties fall outside the Hays County storm record on this site, so search the NOAA database by Caldwell County for local events.
Seguin
The Guadalupe County seat on the Guadalupe River, south of San Marcos. The October 1998 flood washed homes off their foundations along the Guadalupe from Canyon Lake to Seguin, according to the National Weather Service.
Martindale
A small Caldwell County city on the San Marcos River just downstream of San Marcos. During the October 2013 Halloween flood, the NWS noted the San Marcos River flooding near Martindale.
Other nearby communities
We also work with property owners in Maxwell (unincorporated Caldwell County), Uhland (split between Hays and Caldwell counties), Niederwald, Driftwood, and Redwood. These smaller places have their own entries in the storm record: baseball-size hail in Uhland on May 22, 2025, an 80 mph gust that blew a large section of roof off a house in Niederwald on June 9, 2019, 12 to 14 inches of rain from Wimberley to Driftwood in the October 2013 flood, and high water and a water rescue around Redwood in late May 2015.
What stays the same wherever we work
The process does not change with the ZIP code: a Free Claim Review, a written contract with fees disclosed before any work begins, a thorough inspection, careful documentation, and steady communication with your insurer. Texas law caps public adjuster compensation at 10% of the insurance settlement, and you may rescind the contract within 72 hours of signing.
The region shares a few insurance realities too:
- Not in the TWIA area. Wind and hail coverage typically comes from your regular insurer, often with a separate percentage wind/hail deductible.
- Flood is separate. Standard policies generally exclude flood, which matters in Flash Flood Alley. Flood coverage comes from the NFIP or a private flood policy.
- Permits vary by jurisdiction. San Marcos, Kyle, Buda, Wimberley, Dripping Springs, New Braunfels, Lockhart, and Seguin each run their own permit office, and Hays County does not issue residential building permits in unincorporated areas.
As a Hays County public adjuster, we handle hail, wind, roof, flood, freeze, fire, and water damage claims for residential and commercial properties. Not sure whether we cover your area? Request a Free Claim Review or call +1 (832) 503-5866.
Frequently Asked Questions
Does it cost more if my property is outside San Marcos?
Fees are disclosed in a written contract before any work begins; Texas law caps public adjuster compensation at 10% of the insurance settlement. Ask about your location during your Free Claim Review.
My town is not on this page. Can you still help?
Possibly. Our focus is San Marcos, Hays County, and the neighboring communities listed here, but we review requests from other nearby places too, such as Mountain City, Woodcreek, Niederwald, Staples, and the rural areas between them. Send a Free Claim Review request and we will let you know.
How do I check whether a storm hit my area?
Search your city or ZIP code with the storm lookup tool, or browse the Hays County storm history. A nearby report does not prove damage to your property; an inspection is still needed.
Is wind and hail coverage different here than on the Texas coast?
Usually, yes. Hays County and its neighbors are outside the Texas Windstorm Insurance Association (TWIA) area, so wind and hail coverage normally comes from your regular insurer, or the Texas FAIR Plan where applicable. Many policies carry a separate wind/hail deductible; check your declarations page.
Do you have an office in each of these cities?
No. We do not operate a physical office. We serve San Marcos, Hays County, and surrounding Central Texas communities by coming to the damaged property and working the claim from there.