2026 San Antonio (78259) Line-Item Benchmark Schedule Labor Index: 1.05x
Use this schedule when reviewing quotes from contractors in San Antonio, TX. Quotes exceeding these ranges by more than 18% typically contain dealer financing markups or unitemized overhead.
| Roof System Specification (78259 Code) | 2,200 Sq.Ft. Turnkey Cost | Wind / Hail Rating | Insurance Impact in San Antonio |
|---|---|---|---|
| 30-Yr Architectural Asphalt Shingle Synthetic underlayment + ice/water barrier |
$14,190 | 130 MPH / Class 3 | Baseline HO-3 Replacement Eligibility |
| Class-4 Impact Resistant (UL 2218) SBS polymer-modified hail-proof shingle |
$16,460 | 115+ MPH / Class 4 | Saves ~$774/yr on Premium |
| 24-Gauge Standing Seam Metal Roof Hidden fastener Kynar 500 cool-roof finish |
$23,839 | 165+ MPH / Class 4 | 50-Year Lifespan + Max Wind Mitigation Credit |
Interactive 78259 Property Customizer Real-Time Math
Local Code, Rebate & Insurance Mandate Notes for ZIP 78259
Insurance & Wind/Hail Rule (Bexar County): Texas 1%–2% wind/hail deductible zone; UL 2218 Class-4 impact shingles reduce premiums up to 28%.
2026 Incentives & Utility Rebates: 30% Federal ITC + Texas Utility Solar/Battery Rebates + $2,000 IRA Heat Pump Credit
Permitting Authority: All structural roofing, electrical panel, and mechanical replacements in 78259 must be permitted through City of San Antonio Building & Permitting Division (Bexar County) (Design Wind Speed: 115 MPH).
Frequently Asked Questions — San Antonio, TX (78259)
What is the average cost to replace a roof in San Antonio, TX (78259) in 2026?
For a typical 2,200 sq.ft. roof footprint in San Antonio (78259), architectural shingle replacement averages $14,190 ($6.45/sq.ft.), while upgrading to UL 2218 Class-4 impact-resistant shingles costs approximately $16,460 and saves roughly $774 per year on homeowner insurance.
Does 78259 qualify for storm or hail insurance roof replacement claims?
San Antonio (78259) carries a Ziprada Storm Risk Score of 93/100 (Extreme (Texas Severe Hail & Wind Corridor)) with 8 severe weather events recorded over the past 12 months. Texas 1%–2% wind/hail deductible zone; UL 2218 Class-4 impact shingles reduce premiums up to 28%.