Texas home insurance · County data

Aransas County

The average Aransas County homeowner paid $5,560 for insurance in 2025, $2,095 more a year than in 2019.

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$5,560 Average yearly home insurance premium in Aransas County, 2025. +8.5% from 2024.
Texas has 254 counties Aransas County1,144 policies · 91 companies · 2025 Average home premium per year $0$2,000$4,000$6,000$8,0002019202020212022202320242025$3,465$3,300$3,493$3,621$4,382$5,124$5,560Aransas CountyTexas county median Paid claims per policy, per year $0$1,000$2,000$3,000$4,0002019202020212022202320242025$2,919$1,110$618$268$330$375$140About 8× a typical year2019: $2,919 per policy All 254 counties, by 2025 average premium
The county

Here’s Aransas County

Texas has 254 counties. This is one of them: 1,144 home insurance policies were counted here in 2025, written by 91 companies.

The price

What homeowners pay

The average yearly premium rose from $3,465 in 2019 to $5,560 in 2025, a change of +60.5%.

The dashed line is the median Texas county: $3,247 in 2025. Aransas County is $2,313 above it.

The claims

Why it went up

Insurers set prices partly on the claims they expect to pay. In 2019, paid claims reached $2,919 per policy here, about 8 times a typical year.

This page shows both numbers side by side. It does not show that one caused the other.

The ranking

Where it ranks

Of 254 Texas counties, Aransas County ranks 254th from the lowest 2025 average premium.

Each dot is a county. Hollow dots have fewer than 100 policies, so their averages are less reliable. Hover or tap a dot to see which county it is.

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The dataThe full numbers

Home premiums

Average home premium, 2025
$5,560
per year, policies with wind coverage
Change vs 2024
+8.5%
from $5,124; trend shows each year’s change
Change since 2019
+60.5%
from $3,465
Texas county median, 2025
$3,247
$2,313 higher here; trend shows the gap by year. A typical county, not weighted by size
Rank among Texas counties
254 of 254
1 = lowest average premium
Average premium without wind coverage, 2025$1,299
Average Texas Windstorm Insurance Association premium, 2025$3,142
YearAverage premiumChange vs prior yearTexas county medianRank (1 = lowest)
2019$3,465—$1,913252 of 254
2020$3,300−4.8%$1,915254 of 254
2021$3,493+5.8%$2,030254 of 254
2022$3,621+3.7%$2,225254 of 254
2023$4,382+21.0%$2,599254 of 254
2024$5,124+16.9%$3,014254 of 254
2025$5,560+8.5%$3,247254 of 254

Averages include every policy TDI counted, so what any one household pays can be very different.

Claims

Total paid losses, 2025$1,075,318paid on home claims in the county
Paid losses per policy, 2025
$140
total paid divided by policies

Where the 2025 money went

Wind$33,498 3%
Water$306,018 28%
Fire$614,650 57%
Other$121,152 11%
YearTotal paidPer policyWindWaterFireOther
2019$17,979,109$2,919$15,517,650$414,787$1,967,763$78,909
2020$7,252,448$1,110$5,573,080$612,547$678,501$388,320
2021$4,172,113$618$1,295,320$2,256,810$315,708$304,275
2022$1,893,987$268$464,360$547,604$660,774$221,249
2023$2,384,004$330$177,218$785,317$1,044,736$376,733
2024$2,787,004$375$14,861$560,014$1,887,017$325,112
2025$1,075,318$140$33,498$306,018$614,650$121,152

Claims can swing sharply from year to year when severe weather hits. Some loss types include corrections that can show as negative amounts.

Market

Companies writing home policies, 202591
Average coverage amount, 2025$396,000
Policies counted, 20251,144
YearCompaniesAverage coveragePoliciesAvg premium, no windAvg TWIA premium
201990$282,0001,302$927$2,154
202092$266,0001,550$859$2,156
202190$290,0001,705$915$2,187
202293$331,0001,919$976$2,541
202392$357,0001,602$1,089$2,806
202488$376,0001,277$1,204$2,974
202591$396,0001,144$1,299$3,142

Auto filings

These are statewide rate changes that companies asked the Texas Department of Insurance to approve over the last 12 months (Nov 6, 2025 to Nov 6, 2026), newest first. They are requested changes on average across Texas, not prices for Aransas County. Filings that reported no percent change, and motorcycle and RV filings, are not shown. Listed here: 482.

CompanyRequested changeEffectiveStatus
FOREMOST COUNTY MUTUAL INSURANCE COMPANY−3.3%Oct 16, 2026Pending
OLD AMERICAN COUNTY MUTUAL FIRE INSURANCE COMPANY0.0%Oct 19, 2026Pending
REDPOINT COUNTY MUTUAL INSURANCE COMPANY+6.6%Oct 15, 2026Pending
GEICO TEXAS COUNTY MUTUAL INSURANCE COMPANY+5.0%Oct 14, 2026Pending
STATE FARM COUNTY MUTUAL INSURANCE COMPANY OF TEXAS+2.1%Dec 4, 2026Pending
STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY−3.9%Dec 4, 2026Pending
CONSUMERS COUNTY MUTUAL INSURANCE COMPANY0.0%Oct 11, 2026Pending
HOME STATE COUNTY MUTUAL INSURANCE COMPANY0.0%Oct 8, 2026Pending
HOME STATE COUNTY MUTUAL INSURANCE COMPANY0.0%Oct 8, 2026Pending
KIN INTERINSURANCE NEXUS EXCHANGE0.0%Oct 14, 2026Pending
REDPOINT COUNTY MUTUAL INSURANCE COMPANY0.0%Jan 1, 2027Pending
OLD AMERICAN COUNTY MUTUAL FIRE INSURANCE COMPANY−2.7%Oct 5, 2026Pending
MIDVALE INDEMNITY COMPANY0.0%Jan 7, 2027Pending
OLD AMERICAN COUNTY MUTUAL FIRE INSURANCE COMPANY+0.4%Oct 1, 2026Pending
QUALITAS INSURANCE COMPANY+17.9%Oct 15, 2026Pending
SENTINEL INSURANCE COMPANY, LTD.0.0%Oct 1, 2026Approved
AMERICAN FAMILY CONNECT PROPERTY AND CASUALTY INSURANCE COMPANY0.0%Jan 15, 2027Pending
HALLMARK COUNTY MUTUAL INSURANCE COMPANY+3.1%Sep 28, 2026Pending
HOME STATE COUNTY MUTUAL INSURANCE COMPANY0.0%Sep 29, 2026Approved
HOME STATE COUNTY MUTUAL INSURANCE COMPANY0.0%Sep 29, 2026Approved
HOME STATE COUNTY MUTUAL INSURANCE COMPANY0.0%Sep 29, 2026Approved
HOME STATE COUNTY MUTUAL INSURANCE COMPANY0.0%Sep 29, 2026Approved
HOME STATE COUNTY MUTUAL INSURANCE COMPANY0.0%Sep 29, 2026Approved
HOME STATE COUNTY MUTUAL INSURANCE COMPANY0.0%Sep 29, 2026Approved
HOME STATE COUNTY MUTUAL INSURANCE COMPANY0.0%Sep 29, 2026Approved
Show the other 457 filings

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