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

Published July 10, 2026 · Updated October 1, 2026

Why did my home insurance go up in Texas? 4 key reasons

If you're a Texas homeowner looking at a higher renewal premium, you're not alone in asking: why did my home insurance go up in Texas?

The short version is that a Texas home insurance premium can rise because of costs that are spread across a company's customers and because of changes to your own home or policy. The Texas Department of Insurance (TDI) names weather events, reinsurance, and inflation in building materials and construction labor among the costs spread across customers, and says a change in your own rating factors since your last renewal could raise or lower your premium. The same page says: "TDI doesn't have information about your policy or what elements caused your premium to change."

Here's what we'll cover: four reasons a Texas home insurance premium can rise (weather claims, reinsurance costs, rebuilding costs, and changes to your own home or policy), what the state's regulator says about each, and practical steps that may help you respond.

For scale, TDI's rate filing data, published January 22, 2026, gives the average statewide homeowners rate change as 21.1% in 2023, 18.7% in 2024, and 4.3% in 2025. The series starts in 2016, the 2022 figure was 10.8%, and as of October 2026, 2025 is the latest year TDI has published, so it does not cover 2026. The 2025 change was smaller than the changes in 2023 and 2024. TDI notes that the homeowners figures include rate changes for owner-occupied homeowners, tenants, condo, and mobile homeowners policies.

Those figures are rates. On the same page TDI describes the series as how much companies changed their rates on average across the state, defines a rate as the cost of insurance per unit of coverage ($1,000 of home coverage), and defines a premium as the amount you pay for a policy. In TDI's gas-tank example, the premium is the rate times the number of units. A statewide average rate change is not a measure of what happened to your own premium.

1. Weather claims

Weather is one reason home insurance costs can rise in Texas, because weather claims are part of what insurance companies pay out. TDI lists freezes, hurricanes, hailstorms, tornadoes, wildfires, and major thunderstorms among the weather events in Texas, and says the frequency and size of those events add to claim costs.

Why it matters for you:

• Hailstorms and hurricanes are on TDI's list. (See our guide on how the wind and hail deductible works. It's one number that affects your out-of-pocket cost after a storm.)
• Even if your home hasn't been damaged, shared costs can still reach your bill. According to TDI, companies also consider factors that affect the cost of all claims, and that cost is spread across customers.

2. Reinsurance costs

Reinsurance costs are a second reason Texas home insurance premiums can rise. TDI describes reinsurance as a form of insurance for insurance companies, bought to spread their risk and stay financially stable if a major disaster occurs. In TDI's words, "Higher reinsurance rates affect what insurance companies charge their customers."

Why it matters for you:

• You don't buy reinsurance yourself. Your insurance company does, and by TDI's description its price can feed into what the company charges.
• The Office of Public Insurance Counsel (OPIC), in an FAQ titled for 2023, also lists increases in reinsurance costs among the general factors influencing premium increases in Texas.

3. Rebuilding costs: materials and labor

Rebuilding costs are a third reason home insurance can go up in Texas: when it costs more to repair or rebuild a home, claims cost more. Inflation can increase the cost of building materials and construction labor, TDI says, and supply chain disruptions can affect the flow of construction materials. OPIC's FAQ lists increases in the costs of labor and materials, and in home values and building replacement values, among the general factors influencing premium increases.

Why it matters for you:

• This is a cost TDI groups with the ones spread across customers, so it can apply even if you haven't filed a claim.

4. Changes to your own home and policy

A premium can also rise because something about your own home or policy changed. TDI's list of common home insurance factors includes 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. The page then says: "If some of these factors changed since your last renewal, it could raise or lower your premium." TDI adds that this includes characteristics that change over time, such as how much your home is worth, and that each company's premium formula is different.

Why it matters for you:

• These are details about your home and your record. TDI's advice is to ask the company to explain the increase.
• OPIC's FAQ also lists factors that may be unique to a policyholder, including past claims activity, a change in credit score, and a loss of previous insurance discounts.

If your insurer doesn't renew

TDI's page on cancellations and non-renewals lists reasons a company might not renew a policy: the house being in worse condition than when you bought the policy, three or more non-weather claims in three years, a house left vacant for 60 days or more, and the company deciding to limit the coverage it sells in your area. TDI's advice on that page is to start shopping and to have a new policy in place before the current one expires. It also says that if at least two companies refuse to insure your home, you may buy a policy through the Texas FAIR Plan Association, which TDI calls the state's homeowner insurance provider of last resort. (If this has already happened to you, see our guide on what to do after a non-renewal.)

Comparing across carriers with an agency can help you find coverage that fits your needs.

Want to know where you stand before a renewal or non-renewal notice arrives? You can compare your home against quotes from multiple licensed Texas carriers and see your options now. Compare with Credify

What you can do: 3 steps to take control

Texas homeowners have a few practical ways to respond to a higher home insurance premium. TDI's own advice is to ask your company to explain the increase and to ask whether you're getting all available discounts. According to TDI, the company is the one that should be able to say why it raised your premium.

1. Review your coverage and deductible

• Check your policy limits. TDI's shopping tips say to make sure you have enough coverage to replace your house and your personal property if they were destroyed.
• Consider your deductible. The same TDI page says a higher deductible means a lower premium, so make sure you could afford it at claim time.
• Ask about discounts. Discounts vary by company, TDI notes, and its examples include a home security alarm, a fire sprinkler system, and buying other policies with the same company.

2. Compare quotes from multiple carriers Prices can differ from one company to the next. OPIC points out that rating plans vary among companies, so the premium for a policy with one company may be more or less than with another. A licensed agency can help you compare quotes from multiple licensed Texas insurers to find coverage that fits your needs. (See our comparison of independent agency vs. direct carriers if you're weighing how to shop.)

3. Work with a licensed Texas agency Credify surveys roughly 20 licensed Texas carriers for home, auto and bundled insurance from one quick form, web chat or phone call, 24/7. As an independent licensed insurance agency, Credify doesn't favor one insurer over another — the goal is to help you find the right fit.

When you work with Credify, your policy details stay in your account. So the next time a carrier non-renews you or your premium jumps, you are not starting from scratch. You can re-shop quotes across our network of licensed Texas carriers.

The bottom line

So, why did my home insurance go up in Texas? Weather claims, reinsurance costs, rebuilding costs, and changes to your own home or policy are four reasons a Texas premium can rise. Which of them applies to your policy is a question for your company: TDI says it doesn't hold information on what caused an individual premium to change, and that your company should be able to tell you.

Key facts

• TDI on your own increase. The regulator's cost guide says TDI does not hold information about your policy or about what caused your premium to change. It adds that your company should be able to tell you why.
• TDI on weather. The same guide lists freezes, hurricanes, hailstorms, tornadoes, wildfires, and major thunderstorms among Texas weather events, and says their frequency and size add to claim costs.
• TDI on reinsurance. Companies buy reinsurance to spread their risk, and what they pay for it affects what they charge customers, according to TDI.
• TDI on rebuilding costs. Inflation can increase the cost of building materials and construction labor, per TDI.
• TDI on your home and policy. A change since your last renewal in factors such as the cost to replace your house, your claim history, or your credit score could raise or lower your premium, TDI says.
• TDI's statewide rate data. TDI rate filing data, published January 22, 2026, puts the average statewide homeowners rate change at 21.1% in 2023, 18.7% in 2024, and 4.3% in 2025, the latest year published as of October 2026. The figures are rate changes and are not premiums.
• OPIC on comparing companies. The premium for a policy with one company may be more or less than with another, according to OPIC.

Sources: Texas Department of Insurance - How are your auto and homeowners insurance costs calculated?, Auto and home insurance rate changes, Was your home insurance canceled or not renewed? and Tips to help you shop for homeowners insurance. Office of Public Insurance Counsel - Why Are Texas Insurance Rates Increasing in 2023?

Take the next step

A useful step today is to ask your company why your premium changed, and then to see how your current coverage and premium compare with what other licensed Texas carriers would offer.

Get a second opinion on your renewal — free. Credify is a licensed insurance agency in Texas that helps you compare home insurance from roughly 20 licensed Texas carriers, so you can see whether your current coverage and premium fit your needs. It takes a few minutes, and there's no obligation. 📞 Talk to Credify 24/7.

We compare quotes from multiple licensed Texas carriers; each insurer has sole responsibility for its products.

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Coverage varies by insurer. Please review policy documents for complete details.