Home Insurance in Texas: Average Cost by County (2026)
The average Texas homeowners insurance policy cost $3,489 a year in 2025, about $291 a month, according to the Texas Department of Insurance (TDI, preliminary figure). It is up from $1,961 in 2019 (+78%, our calculation). Where you live moves it more than anything else: TDI’s county data for 2025 runs from $1,818 a year in El Paso County to $5,560 in Aransas County, with $4,144 in Harris County (Houston), $4,363 in Dallas County and $4,343 in Collin County (Plano). These are premiums actually reported on Texas policies, not quotes for a model house, and they are county averages, not your price.
How much does home insurance cost in Texas?
TDI reports the statewide average annual premium from the Texas Statistical Plan for Residential Risks. In 2025 it counted about 8.2 million active homeowners policies (preliminary). Here is the trend, with the average amount of coverage and the statewide rate change TDI records each year:
| Year | Average annual premium | Average coverage | Statewide rate change |
|---|---|---|---|
| 2016 | $1,791 | $252,000 | −2.6% |
| 2019 | $1,961 | $287,900 | 4.2% |
| 2020 | $1,987 | $294,900 | 3.8% |
| 2021 | $2,124 | $317,200 | 5.9% |
| 2022 | $2,374 | $354,300 | 10.8% |
| 2023 | $2,795 | $387,200 | 21.1% |
| 2024 | $3,291 | $408,500 | 18.7% |
| 2025 (preliminary) | $3,489 | $432,800 | 4.3% |
The rate change covers homeowners, renters, condo and mobile-home policies. Two things stand out. First, the jump came in 2023 and 2024, when rates rose 21.1% and 18.7%. Second, part of the climb is bigger coverage, not only higher prices: from 2016 to 2025 the average premium rose about 95% and the average coverage about 72%, so the premium per $1,000 of coverage went from $7.11 to $8.06, about 13% more (our division of TDI’s figures).
Is it getting cheaper? Not yet for most policyholders, but the pressure is easing. The 2025 rate change was 4.3%, against 21.1% and 18.7% in the two years before. TDI’s market page also shows the average filed rate request at −4.3% for July to September 2026 and −6.6% for September 2026. Those are requests companies filed with TDI, not what you pay, and your renewal depends on your own company and your own home.
Home insurance cost by county in Texas (2025)
This is TDI’s average annual premium by county for 2025 (policies that include wind and hail), the average coverage on those policies, and how much the average premium rose since 2019:
| County | Main cities | Average premium | Average coverage | Change since 2019 | Per $1,000 of coverage |
|---|---|---|---|---|---|
| Harris | Houston | $4,144 | $463,000 | +72% | $8.95 |
| Dallas | Dallas | $4,363 | $512,000 | +98% | $8.52 |
| Tarrant | Fort Worth | $3,939 | $453,000 | +85% | $8.70 |
| Bexar | San Antonio | $2,806 | $398,000 | +86% | $7.05 |
| Travis | Austin | $3,245 | $557,000 | +93% | $5.83 |
| Collin | Plano, Frisco, McKinney | $4,343 | $569,000 | +104% | $7.63 |
| Denton | Denton, Lewisville | $4,336 | $543,000 | +104% | $7.99 |
| Fort Bend | Sugar Land, Missouri City | $4,231 | $503,000 | +79% | $8.41 |
| Montgomery | The Woodlands, Conroe | $3,404 | $478,000 | +70% | $7.12 |
| Williamson | Round Rock | $2,758 | $466,000 | +87% | $5.92 |
| Brazoria | Pearland, Lake Jackson | $3,871 | $403,000 | +63% | $9.61 |
| El Paso | El Paso | $1,818 | $306,000 | +67% | $5.94 |
| Hidalgo | McAllen | $2,383 | $300,000 | +57% | $7.94 |
| Webb | Laredo | $2,143 | $305,000 | +61% | $7.03 |
| Lubbock | Lubbock | $3,426 | $371,000 | +71% | $9.23 |
| Midland | Midland | $3,848 | $436,000 | +75% | $8.83 |
| Ector | Odessa | $3,195 | $328,000 | +67% | $9.74 |
| Potter | Amarillo | $3,258 | $304,000 | +75% | $10.72 |
(Change since 2019 and the per-$1,000 column are our calculations from TDI’s county data.)
What the table says:
- Home insurance in Houston. Houston is mostly in Harris County, where the average premium was $4,144 on $463,000 of coverage, about $345 a month (our division). The city also reaches into Fort Bend ($4,231) and Montgomery ($3,404) counties. Part of the east side of the county is TWIA territory for wind and hail; see the coast section below. More on Houston, with claims data: home insurance in Houston.
- Home insurance in Dallas and Fort Worth. Dallas County had the highest premium of any large county, $4,363, and it has risen 98% since 2019. Tarrant County (Fort Worth) was $3,939. Hail is a large part of why: TDI says wind and hail have made up an average of 62% of homeowners losses since 2019. County by county, with claims data: Plano and Dallas-Fort Worth.
- Home insurance in Plano, Frisco and McKinney. Plano is in Collin County, and a small part is in Denton County. Collin’s average was $4,343, with the steepest rise of the big counties (+104% since 2019, tied with Denton), on the highest average coverage of the table ($569,000). Per $1,000 of coverage it is cheaper than Dallas or Harris.
- San Antonio and Austin are cheaper per dollar of coverage. Bexar County was $2,806. Travis County was $3,245, but on the second-highest coverage in the table, so only $5.83 per $1,000. A lower premium can mean a smaller or cheaper home, not only a cheaper county.
- El Paso is the cheapest large county, at $1,818. Of Texas’s 254 counties, the lowest averages in 2025 were El Paso ($1,818), Maverick ($2,037), Starr ($2,087) and Caldwell ($2,108). The highest were Aransas ($5,560), Calhoun ($4,940) and Palo Pinto ($4,564). The middle county was about $3,249 (our calculation, counting each county once).
A county average hides a lot. Your ZIP code, the age and roof of your home, how much it would cost to rebuild, your claims history and your insurer all change the number.
Why home insurance is so expensive in Texas
TDI lists the factors that companies commonly use to price a home policy: your home’s age, your roof’s age and material, where you live, the cost to replace your house, your claim history and your credit score. Each company’s formula is different, and TDI says it has no information on why your own premium changed, so your company should be able to explain it.
The bigger pressure is losses. In its June 22, 2026 data release, TDI said insurers paid $8.74 billion in 2025 for homeowners losses (wind and hail, water, fire, theft, liability and vandalism). Its market page puts annual insured losses at $10.2 billion in 2024, up from $3.7 billion in 2015. Wind and hail lead the losses, which is why they weigh so much in what you pay.
One more number, with care. On TDI’s page the combined ratio for homeowners (losses plus expenses, as a share of premium) was 76.8% in 2025, after 98.3% in 2024 and 105.1% in 2023. Below 100% means companies took in more than they paid out and spent that year. Over ten years it is 100.6%. We read it as a sign that the 2023 and 2024 increases caught up with losses, but TDI’s page doesn’t say that.
Why every website gives a different average
Search for the cost of home insurance in Texas and you will find averages from about $2,900 to well over $4,000. They are not all measuring the same thing:
| Source | Average a year | What it measures |
|---|---|---|
| TDI (2025, preliminary) | $3,489 | Reported premiums on about 8.2 million Texas policies, average coverage $432,800 |
| Policygenius (published July 2024) | $2,919 | A sample profile (40-year-old with no claims and good credit), $300,000 dwelling, $1,000 deductible, rates from March 2022 |
| Insurance.com (updated September 2026) | $4,582 in its table | $300,000 dwelling, $300,000 liability, $1,000 deductible, 2% hurricane deductible, 37,973,840 quotes analyzed |
Insurance.com’s page also shows other Texas averages in its text ($4,112 and $4,852), so its own pages do not agree with each other. The practical rule: compare quotes only if they use the same dwelling coverage, the same deductibles and the same liability limit. For the number TDI has actually recorded, use TDI’s.
How to get home insurance quotes in Texas
TDI’s home insurance guide gives eight steps. In order:
- Choose your coverage. Most mortgage companies require a replacement cost policy, according to TDI.
- Pick an amount that would let you rebuild your home and replace your belongings. TDI has a home inventory checklist.
- Look at other coverages: flood, windstorm and hail, valuables, and an umbrella liability policy.
- Choose a deductible. The higher it is, the lower your premium, but the more you pay out of pocket when you claim.
- Get quotes. Compare sample prices on HelpInsure.com, a site from TDI and the Office of Public Insurance Counsel that shows policies sold in your area, their rates and coverage types. It says its results are informational and not a final quote. TDI’s number to confirm that a company or agent is licensed is 800-252-3439.
- Ask about discounts. TDI’s examples: a home security alarm, a fire sprinkler system, bundling with other policies, and no claims in the past three years.
- Avoid gaps. Don’t cancel the old policy until the new policy or a written statement of coverage arrives.
- If a company turns you down, keep shopping.
Have these ready, because they are what companies price on: the year the house was built, the roof’s age and material, the rebuild cost, your claims in recent years, and the coverage and deductibles you want. Ask every company for the same numbers so the quotes can be compared.
How to lower your home insurance bill in Texas
Only things TDI itself says:
- Raise your deductible. TDI: “The higher your deductible, the lower your premium.” Make sure you could pay it. Ask whether wind and hail carry a separate deductible, and whether it is a dollar amount or a percentage of your coverage; it is written on your declarations page.
- Ask for every discount (alarm, sprinklers, bundling, three claim-free years).
- Shop at renewal. If your premium jumped, a factor on TDI’s list may have changed. Ask your company which one, then get other quotes.
- Know which claims can’t raise your premium. TDI says home companies can’t charge more for claims for damage from natural causes, including weather, and for claims the company didn’t pay. Water damage from an appliance also can’t, if repairs were inspected and certified, unless you have three or more claims in three years. Other claims can. If the repair costs about the same as your deductible, TDI says you may decide it isn’t worth filing.
- Check your claims report. Most companies pull a CLUE report. You can get a free copy each year at 866-312-8076.
Home insurance on the Texas coast: TWIA and the FAIR Plan
Home policies don’t cover floods. TDI says so directly, and your lender will require flood insurance if your property is in a flood zone. On the coast, a home policy may also leave out wind and hail. The Texas Windstorm Insurance Association (TWIA) sells wind and hail coverage in 14 coastal counties (Aransas, Brazoria, Calhoun, Cameron, Chambers, Galveston, Jefferson, Kenedy, Kleberg, Matagorda, Nueces, Refugio, San Patricio and Willacy) and in part of Harris County east of Highway 146 (La Porte, Morgan’s Point, Pasadena, Seabrook and Shore Acres). You apply through an agent. TDI says that depending on your location you may need flood insurance first and an inspection, and that TWIA won’t sell you a policy if a hurricane is on the way, so don’t wait.
TDI’s 2025 county data shows how the cost splits in coastal counties. Some homes buy a policy without wind coverage plus a separate TWIA policy; others buy one policy that includes wind:
| County | Policy without wind (average) | TWIA policy (average) | Both added together | One policy with wind (average) |
|---|---|---|---|---|
| Galveston | $1,347 | $2,919 | $4,266 | $4,464 |
| Brazoria | $1,371 | $2,636 | $4,007 | $3,871 |
| Nueces (Corpus Christi) | $1,198 | $2,463 | $3,661 | $3,285 |
| Cameron (Brownsville) | $1,183 | $1,927 | $3,110 | $2,543 |
| Aransas | $1,299 | $3,142 | $4,441 | $5,560 |
(The sum is ours. The averages come from different sets of homes, so treat it as a rough comparison, not a quote.)
Side by side, with 2026 rates and limits: TWIA vs the Texas FAIR Plan.
The Texas FAIR Plan is the insurer of last resort for houses, townhouses, condos and manufactured homes, and it also sells renters insurance. TDI says you qualify if you have been turned down by two insurance companies and no company has offered you a policy or renewal. It is not a discount program: in TDI’s county data its average premium is below the private average in some counties (Dallas: $3,840 against $4,363) and above it in others (Collin: $5,473 against $4,343). Contact an agent to apply, or the FAIR Plan at 800-979-6440.
Who sells the most home insurance in Texas
TDI counts 157 companies in 81 groups writing homeowners insurance in Texas. These ten groups had the largest share of direct written premium in 2024 (from TDI’s 2025 Market Conditions Annual Report):
| Group | Direct written premium | Market share |
|---|---|---|
| State Farm | $3.77 billion | 19.10% |
| Allstate | $3.32 billion | 16.79% |
| USAA | $2.22 billion | 11.22% |
| Farmers | $1.61 billion | 8.15% |
| Liberty Mutual | $1.20 billion | 6.05% |
| Travelers | $1.02 billion | 5.15% |
| American Family | $0.79 billion | 3.98% |
| Texas Farm Bureau Mutual | $0.48 billion | 2.44% |
| Progressive | $0.47 billion | 2.39% |
| Iron Family Holdings | $0.47 billion | 2.38% |
Market share is size, not price or service. For each company’s record of confirmed complaints, see home insurance companies in Texas: market share and complaints. TDI directs shoppers to HelpInsure.com to compare sample rates and policies.
Home insurance in Texas for seniors
We found no TDI page that lists discounts or rules specific to seniors, so we won’t promise any. What applies to everyone applies here: a deductible you can pay from savings, every discount your company offers, and quotes from several companies at the same coverage. If you no longer have a mortgage, no lender requires replacement cost coverage, but TDI still advises choosing an amount that would let you rebuild. Ask each company directly about discounts for your situation.
Questions people ask
How much is home insurance per month in Texas? TDI’s 2025 average of $3,489 a year is about $291 a month. In Harris County it is about $345, in Dallas County about $364 and in El Paso County about $152 (our division).
Does home insurance cover flood damage in Texas? No. TDI says home policies don’t cover flood damage. Flood is a separate policy.
Will a hail claim raise my premium? TDI says home companies can’t charge more for claims for damage from natural causes, including weather. Other claims can raise it, and TDI says it depends on the type of claim and how many you file.
Can I get a Texas FAIR Plan policy? If you own a house, townhouse, condo or manufactured home and two insurance companies have turned you down, and no company has offered you a policy or renewal.
Which company has the cheapest home insurance in Texas? There is no single answer. It depends on your home, coverage and deductible, and TDI does not rank companies by price. Compare sample rates on HelpInsure.com, then get quotes from at least three companies at the same coverage.
Moving to a new home in Texas
Home insurance is one of two bills that depend on your address. The other is electricity, and in most of Texas you choose the company: see the cheapest electricity plans in Texas, the best electric company in Houston and in Dallas, and electricity with no deposit.
What is still not known
- Your price. A county average is not a quote. Only a quote for your address, coverage and deductible says what you would pay.
- 2025 is preliminary. TDI labels the $3,489 statewide figure preliminary; the final number may differ.
- ZIP-code and city averages. TDI publishes by county. We don’t have city or ZIP figures, so the city notes above are county figures.
- Whether filed decreases reach you. TDI’s −4.3% is the average of rate requests companies filed, not a change in what policyholders pay.
- How companies compare on price. We did not compare insurers’ prices; HelpInsure’s sample rates are the right place to start.
- Senior-specific discounts. We found none on TDI’s pages.
- TWIA’s 2026 rates. We did not verify them from TDI or TWIA, so we give no TWIA rate change.
This guide is general information, not a quote or insurance advice. Confirm coverage and eligibility with a licensed agent or TDI (800-252-3439).