Texas home insurance · County data

Bell County

The average Bell County homeowner paid $2,708 for insurance in 2025, $1,269 more a year than in 2019.

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$2,708 Average yearly home insurance premium in Bell County, 2025. +5.6% from 2024.
Texas has 254 counties Bell County78,865 policies · 115 companies · 2025 Average home premium per year $0$1,000$2,000$3,000$4,0002019202020212022202320242025$1,439$1,469$1,579$1,783$2,137$2,564$2,708Bell CountyTexas county median Paid claims per policy, per year $0$2,500$5,000$7,500$10K2019202020212022202320242025$355$398$794$2,430$1,633$7,453$1,869About 6× a typical year2024: $7,453 per policy All 254 counties, by 2025 average premium
The county

Here’s Bell County

Texas has 254 counties. This is one of them: 78,865 home insurance policies were counted here in 2025, written by 115 companies.

The price

What homeowners pay

The average yearly premium rose from $1,439 in 2019 to $2,708 in 2025, a change of +88.2%.

The dashed line is the median Texas county: $3,247 in 2025. Bell County is $539 below it.

The claims

Why it went up

Insurers set prices partly on the claims they expect to pay. In 2024, paid claims reached $7,453 per policy here, about 6 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, Bell County ranks 32nd 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.

CompareCompare with another county

Pick a Texas county to see its page, or browse all 254.

The dataThe full numbers

Home premiums

Average home premium, 2025
$2,708
per year, policies with wind coverage
Change vs 2024
+5.6%
from $2,564; trend shows each year’s change
Change since 2019
+88.2%
from $1,439
Texas county median, 2025
$3,247
$539 lower here; trend shows the gap by year. A typical county, not weighted by size
Rank among Texas counties
32 of 254
1 = lowest average premium
YearAverage premiumChange vs prior yearTexas county medianRank (1 = lowest)
2019$1,439—$1,91312 of 254
2020$1,469+2.1%$1,91516 of 254
2021$1,579+7.5%$2,03019 of 254
2022$1,783+12.9%$2,22525 of 254
2023$2,137+19.9%$2,59932 of 254
2024$2,564+20.0%$3,01434 of 254
2025$2,708+5.6%$3,24732 of 254

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

Claims

Total paid losses, 2025$147,680,026paid on home claims in the county
Paid losses per policy, 2025
$1,869
total paid divided by policies

Where the 2025 money went

Wind$112,261,843 76%
Water$13,742,882 9%
Fire$16,935,099 11%
Other$4,740,202 3%
YearTotal paidPer policyWindWaterFireOther
2019$22,497,535$355$8,926,627$5,176,217$5,350,275$3,044,416
2020$26,929,481$398$12,924,789$6,063,749$6,050,426$1,890,517
2021$56,960,929$794$16,663,627$25,660,486$8,293,481$6,343,335
2022$181,003,101$2,430$153,588,045$11,404,115$11,424,313$4,586,628
2023$123,659,122$1,633$94,535,551$14,760,345$10,289,427$4,073,799
2024$577,389,990$7,453$548,609,008$13,004,063$10,766,546$5,010,373
2025$147,680,026$1,869$112,261,843$13,742,882$16,935,099$4,740,202

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, 2025115
Average coverage amount, 2025$375,000
Policies counted, 202578,865
YearCompaniesAverage coveragePolicies
2019112$236,00063,430
2020119$244,00067,638
2021117$268,00071,745
2022118$302,00074,458
2023117$330,00075,692
2024118$351,00077,529
2025115$375,00078,865

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 Bell 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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