Reviewed and approved by Samuel Corso, licensed Texas insurance agent.

Published August 9, 2026 · Updated October 1, 2026

How much is home insurance in Texas? What the state's own data shows

The Texas Department of Insurance (TDI) publishes figures on the state's homeowners insurance market, and this guide walks through what those figures say and what each one measures.

The short version. TDI's Texas homeowners insurance market overview lists an average annual homeowners premium in Texas of $3,489 for 2025, as shown on October 1, 2026, a figure TDI may revise. That figure is an average across homeowners policies, and TDI's page on how costs are calculated says each company's premium formula is different, so it does not show what any one home costs to insure.

Here's what we'll cover: the statewide figure and its year-by-year history, how filed rates have changed, what TDI says goes into a premium, what TDI's loss data shows about hail, the county map, and why the amount of insurance matters when you compare prices.

The statewide number

The Texas Department of Insurance gives $3,489 as the average annual premium for homeowners policies in Texas, as shown on its website on October 1, 2026. The figure sits in the market snapshot on TDI's Texas homeowners insurance market overview, where the tile is labeled Homeowners and carries no year, and the same page's average annual premium chart lists $3,489 against 2025. TDI may revise its 2025 figures. TDI gives the Texas Statistical Plan for Residential Risks as the source.

The same TDI page charts the average annual premium and the average coverage amount for homeowners policies for each year from 2016 to 2025 (figures as shown on October 1, 2026):

The snapshot on that page also gives the scale of the market as TDI labels it: 8,233,096 active policies and $19.75 billion in direct written premium, both marked 2025, a total insured value of $2,404,731,301,000 marked as a preliminary 2025 homeowners figure, and 157 companies in 81 groups. TDI defines direct written premium on the page as the total premium an insurance company expects to collect for policies issued.

These are market-wide figures. A statewide average combines many different homes into one number, so it can serve as background for reading your own renewal and cannot stand in for a quote on your home. TDI's figures can also change when it updates the page, so check the page itself for the current numbers.

How filed rates have changed since 2016

TDI publishes the average statewide change in homeowners insurance rates that companies filed in each year since 2016. In its blog post Auto and home insurance rate changes, dated January 22, 2026, TDI gives these figures from its rate filing data and notes that they include owner-occupied homeowners, tenants, condo and mobile homeowners policies:

In TDI's figures, 2023 and 2024 are the two largest yearly changes in the period, and 2025 is back in single digits. These percentages describe rates across the market and across four policy types, so they are not a record of how any one homeowners premium moved.

A rate and a premium are different things in TDI's definitions. On its market overview, TDI defines a premium as "The amount you pay to an insurance company for an insurance policy." and a rate as "The cost of insurance per exposure unit ($1,000 of home coverage or one year of auto coverage)." TDI's example on that page is a 14-gallon gas tank filled at $3.50 a gallon, where $3.50 is the rate and the $49 total is the premium.

The same TDI page adds: "Not only do rate changes affect premiums, but coverage amounts do, too." In plain terms, a premium is the rate multiplied by how much insurance you carry, so a premium can change when the coverage amount changes even if the rate does not.

What TDI says goes into a home insurance premium

TDI says insurance companies use many factors to calculate what they charge a customer for home insurance in Texas. Its page How are your auto and homeowners insurance costs calculated? says "Each company's premium formula is different." and lists these as common factors for home insurance:

• Your home's age
• Your home's roof age and material
• Where you live
• The cost to replace your house
• Your claim history
• Your credit score

TDI's list names the factors without saying how much weight any of them carries. The same page says that if some of these factors changed since your last renewal, it could raise or lower your premium.

That TDI page also describes costs that are not specific to one household. It says insurance companies consider factors that affect the cost for all claims, which is spread across customers, and it names inflation in building materials and construction labor, supply chain disruptions, weather events in Texas, and reinsurance, which it describes as a form of insurance for insurance companies.

On its own role, the page says: "TDI doesn't set insurance rates or premiums." It explains that companies change rates by sending a rate filing to TDI and can use the new rates the same day or choose a later effective date, and that companies are required to provide an analysis supporting the changes, which TDI's actuaries review. For a question about one policy, the page says TDI doesn't have information about your policy and adds: "Your company should be able to tell you why it raised your premium."

What TDI's loss data shows about hail

In TDI's chart of homeowners paid losses in Texas, hail is the largest category in nine of the ten years shown. TDI's market overview includes a chart of homeowners paid losses by peril with five categories: water and freeze, fire, wind, hail, and other. In the chart data for 2016 through 2025, hail is the largest of the five in every year except 2021, when water and freeze is larger.

That chart covers what insurers paid across the state, and how one policy treats hail damage depends on that policy. Our guide on how the wind and hail deductible works in Texas covers that deductible.

County figures on TDI's map

TDI publishes county-level homeowners premium figures for Texas on an interactive map. The map on its market overview shows data for homeowners policies active as of December 31 of the year you select, and TDI defines the map's main premium figure as "Average annual premium for policies that have wind coverage." The map also shows the average insured property amount for those policies and the number of companies collecting premium payments.

The map shows extra figures for part of the coast. TDI's page says Texas Windstorm Insurance Association (TWIA) policies provide wind coverage for property in 14 coastal counties (Aransas, Brazoria, Calhoun, Cameron, Chambers, Galveston, Jefferson, Kenedy, Kleberg, Matagorda, Nueces, Refugio, San Patricio and Willacy) and in parts of Harris County east of Highway 146. For those areas, the page says the map also shows the average annual premium for policies that don't have wind coverage and the average annual premium for TWIA policies.

In the coastal areas TDI lists, the with-wind and no-wind figures measure different kinds of policy, so check which one you are reading before comparing it with your own premium.

Insured value and appraised value

TDI describes the insured value of a home as the cost to rebuild or replace it, which is a different figure from the home's appraised value. TDI's tip sheet How building costs affect your home insurance says a property's appraised value includes the cost of the land and factors in how much homes are selling for in the neighborhood, and then says: "The insured value is the cost to rebuild or replace your home."

The same tip sheet covers insuring a home for less than its rebuild cost. It says: "Some insurance companies require you to insure at least 80% of the cost to rebuild your home." TDI's example is a home that would cost $200,000 to rebuild and is insured up to $120,000, which is 60% of the replacement cost, where it says the insurance company might only pay up to 60% of the repair cost, minus the deductible. These are TDI's example figures, given as an illustration.

Two premiums for the same home are only comparable if they are for the same amount of coverage, and a lower premium for a smaller dwelling limit is a different purchase.

What TDI suggests if your bill is rising

TDI's consumer pages suggest several steps for a Texas homeowner whose insurance bill is rising. Each one below is TDI's suggestion, with the page it comes from.

• Ask your company. The page on how costs are calculated suggests that if your auto or home insurance bill is rising, you ask your company to explain the increase and ask whether you're getting all available discounts.
• Weigh the deductible. The building costs tip sheet says you could consider increasing your deductible, which it says will lower your premium payment, and that when deciding you should think about how much you can afford to pay if your property is damaged. TDI's market overview adds that with a higher deductible you'll have to pay more out of pocket if you need to make a claim.
• Look at sample estimates. According to the page on how costs are calculated, you can start your search at HelpInsure.com to get sample estimates and then call the companies you're interested in to get price quotes.
• Compare the same coverage. The same TDI page suggests considering a call to an independent insurance agent, and says they can help make sure you're comparing the same type and amount of coverage.

None of these steps tells you in advance what a premium will be. If you do look at more than one quote, the practical check is that each one uses the same dwelling limit and the same deductibles, including any wind and hail deductible.

Key facts

• TDI's Texas homeowners insurance market overview lists a $3,489 average annual premium for homeowners policies in Texas, shown against 2025 in its chart, as read on October 1, 2026, and TDI may revise it. It is an average across policies and not a price for any one home.
• The same TDI page charts the average annual homeowners premium at $1,791 for 2016 and $3,291 for 2024, and the average coverage amount at $252,000 for 2016 and $432,800 for 2025, as read on October 1, 2026; TDI may revise its 2025 figures.
• TDI's blog post Auto and home insurance rate changes (January 22, 2026) gives average statewide homeowners rate changes of 10.8% for 2022, 21.1% for 2023, 18.7% for 2024 and 4.3% for 2025, and notes the figures include owner-occupied homeowners, tenants, condo and mobile homeowners policies.
• TDI's market overview defines a premium as the amount you pay for a policy and a rate as the cost of insurance per exposure unit, and says coverage amounts affect premiums as well as rate changes.
• TDI's page How are your auto and homeowners insurance costs calculated? lists common home insurance factors as the home's age, roof age and material, where you live, the cost to replace the house, claim history and credit score, and says each company's premium formula is different.
• In the peril chart data on TDI's market overview, hail is the largest category of homeowners paid losses in each year from 2016 to 2025 except 2021, when water and freeze is larger.
• TDI's tip sheet How building costs affect your home insurance says insured value is the cost to rebuild or replace the home, and that some insurance companies require you to insure at least 80% of the cost to rebuild.

Sources: Texas Department of Insurance, Texas homeowners insurance market overview, Auto and home insurance rate changes, How are your auto and homeowners insurance costs calculated? and How building costs affect your home insurance. This page is general information, not legal advice.

Take the next step

A statewide figure describes the Texas market as a whole. To put it next to your own policy, start with your declarations page and note your dwelling limit and each deductible, since those are the amounts any comparison needs to match. For background, why did my home insurance go up in Texas covers the rate-change years above, how the wind and hail deductible works explains percentage deductibles, and how to choose home insurance in Texas covers comparing coverage as well as price.

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