Texas home insurance · County data

Bastrop County

The average Bastrop County homeowner paid $2,513 for insurance in 2025, $989 more a year than in 2019.

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$2,513 Average yearly home insurance premium in Bastrop County, 2025. +6.3% from 2024.
Texas has 254 counties Bastrop County20,378 policies · 112 companies · 2025 Average home premium per year $0$1,000$2,000$3,000$4,0002019202020212022202320242025$1,524$1,512$1,589$1,740$2,028$2,363$2,513Bastrop CountyTexas county median Paid claims per policy, per year $0$500$1,000$1,500$2,0002019202020212022202320242025$818$501$1,342$908$523$1,435$829 All 254 counties, by 2025 average premium
The county

Here’s Bastrop County

Texas has 254 counties. This is one of them: 20,378 home insurance policies were counted here in 2025, written by 112 companies.

The price

What homeowners pay

The average yearly premium rose from $1,524 in 2019 to $2,513 in 2025, a change of +64.9%.

The dashed line is the median Texas county: $3,247 in 2025. Bastrop County is $734 below it.

The claims

Why it went up

Insurers set prices partly on the claims they expect to pay. Paid claims here ranged from $501 to $1,435 per policy over these years.

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, Bastrop County ranks 19th 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
$2,513
per year, policies with wind coverage
Change vs 2024
+6.3%
from $2,363; trend shows each year’s change
Change since 2019
+64.9%
from $1,524
Texas county median, 2025
$3,247
$734 lower here; trend shows the gap by year. A typical county, not weighted by size
Rank among Texas counties
19 of 254
1 = lowest average premium
YearAverage premiumChange vs prior yearTexas county medianRank (1 = lowest)
2019$1,524—$1,91326 of 254
2020$1,512−0.8%$1,91526 of 254
2021$1,589+5.1%$2,03021 of 254
2022$1,740+9.5%$2,22519 of 254
2023$2,028+16.6%$2,59919 of 254
2024$2,363+16.5%$3,01422 of 254
2025$2,513+6.3%$3,24719 of 254

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

Claims

Total paid losses, 2025$16,947,531paid on home claims in the county
Paid losses per policy, 2025
$829
total paid divided by policies

Where the 2025 money went

Wind$9,387,461 55%
Water$2,000,434 12%
Fire$4,315,534 25%
Other$1,244,102 7%
YearTotal paidPer policyWindWaterFireOther
2019$11,203,990$818$6,226,737$1,705,970$2,916,234$355,049
2020$7,526,138$501$3,196,633$1,139,659$2,724,265$465,581
2021$22,033,373$1,342$13,825,323$4,601,345$2,860,483$746,222
2022$16,077,835$908$9,275,724$2,277,306$3,047,385$1,477,420
2023$9,750,654$523$3,220,528$3,082,196$2,755,070$692,860
2024$28,194,991$1,435$19,357,561$3,030,969$4,228,955$1,577,506
2025$16,947,531$829$9,387,461$2,000,434$4,315,534$1,244,102

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, 2025112
Average coverage amount, 2025$367,000
Policies counted, 202520,378
YearCompaniesAverage coveragePolicies
2019114$241,00013,672
2020117$245,00014,988
2021121$265,00016,395
2022119$300,00017,672
2023118$328,00018,621
2024114$344,00019,638
2025112$367,00020,378

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 Bastrop 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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