Texas home insurance · County data

Bexar County

The average Bexar County homeowner paid $2,806 for insurance in 2025, $1,296 more a year than in 2019.

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$2,806 Average yearly home insurance premium in Bexar County, 2025. +8.8% from 2024.
Texas has 254 counties Bexar County416,938 policies · 125 companies · 2025 Average home premium per year $0$1,000$2,000$3,000$4,0002019202020212022202320242025$1,510$1,520$1,631$1,819$2,174$2,579$2,806Bexar CountyTexas county median Paid claims per policy, per year $0$500$1,000$1,500$2,0002019202020212022202320242025$1,079$1,134$1,159$768$990$994$1,092 All 254 counties, by 2025 average premium
The county

Here’s Bexar County

Texas has 254 counties. This is one of them: 416,938 home insurance policies were counted here in 2025, written by 125 companies.

The price

What homeowners pay

The average yearly premium rose from $1,510 in 2019 to $2,806 in 2025, a change of +85.8%.

The dashed line is the median Texas county: $3,247 in 2025. Bexar County is $441 below it.

The claims

Why it went up

Insurers set prices partly on the claims they expect to pay. Paid claims here ranged from $768 to $1,159 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, Bexar County ranks 41st 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
$2,806
per year, policies with wind coverage
Change vs 2024
+8.8%
from $2,579; trend shows each year’s change
Change since 2019
+85.8%
from $1,510
Texas county median, 2025
$3,247
$441 lower here; trend shows the gap by year. A typical county, not weighted by size
Rank among Texas counties
41 of 254
1 = lowest average premium
YearAverage premiumChange vs prior yearTexas county medianRank (1 = lowest)
2019$1,510—$1,91322 of 254
2020$1,520+0.7%$1,91528 of 254
2021$1,631+7.3%$2,03027 of 254
2022$1,819+11.5%$2,22531 of 254
2023$2,174+19.5%$2,59935 of 254
2024$2,579+18.6%$3,01437 of 254
2025$2,806+8.8%$3,24741 of 254

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

Claims

Total paid losses, 2025$456,206,533paid on home claims in the county
Paid losses per policy, 2025
$1,092
total paid divided by policies

Where the 2025 money went

Wind$248,077,504 54%
Water$117,293,190 26%
Fire$60,592,122 13%
Other$30,243,717 7%
YearTotal paidPer policyWindWaterFireOther
2019$398,579,749$1,079$269,179,484$72,680,309$39,286,490$17,433,466
2020$437,676,802$1,134$310,419,509$72,934,484$35,930,401$18,392,408
2021$464,801,632$1,159$211,883,311$169,168,835$49,058,652$34,690,834
2022$315,339,789$768$118,507,548$113,755,683$56,530,425$26,546,133
2023$409,801,517$990$186,321,423$132,695,072$59,948,271$30,836,751
2024$414,168,583$994$204,909,682$124,778,282$59,135,441$25,345,178
2025$456,206,533$1,092$248,077,504$117,293,190$60,592,122$30,243,717

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, 2025125
Average coverage amount, 2025$398,000
Policies counted, 2025416,938
YearCompaniesAverage coveragePolicies
2019124$264,000369,093
2020129$267,000385,534
2021127$294,000400,751
2022129$331,000410,295
2023125$359,000413,638
2024125$378,000417,071
2025125$398,000416,938

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 Bexar 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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