Texas home insurance · County data

Bosque County

The average Bosque County homeowner paid $3,505 for insurance in 2025, $1,545 more a year than in 2019.

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$3,505 Average yearly home insurance premium in Bosque County, 2025. +8.4% from 2024.
Texas has 254 counties Bosque County4,017 policies · 81 companies · 2025 Average home premium per year $0$1,000$2,000$3,000$4,0002019202020212022202320242025$1,960$1,945$2,075$2,323$2,786$3,232$3,505Bosque CountyTexas county median Paid claims per policy, per year $0$2,000$4,000$6,000$8,0002019202020212022202320242025$558$4,374$2,268$1,021$2,475$1,231$1,160About 4× a typical year2020: $4,374 per policy All 254 counties, by 2025 average premium
The county

Here’s Bosque County

Texas has 254 counties. This is one of them: 4,017 home insurance policies were counted here in 2025, written by 81 companies.

The price

What homeowners pay

The average yearly premium rose from $1,960 in 2019 to $3,505 in 2025, a change of +78.8%.

The dashed line is the median Texas county: $3,247 in 2025. Bosque County is $258 above it.

The claims

Why it went up

Insurers set prices partly on the claims they expect to pay. In 2020, paid claims reached $4,374 per policy here, about 4 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, Bosque County ranks 192nd 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
$3,505
per year, policies with wind coverage
Change vs 2024
+8.4%
from $3,232; trend shows each year’s change
Change since 2019
+78.8%
from $1,960
Texas county median, 2025
$3,247
$258 higher here; trend shows the gap by year. A typical county, not weighted by size
Rank among Texas counties
192 of 254
1 = lowest average premium
YearAverage premiumChange vs prior yearTexas county medianRank (1 = lowest)
2019$1,960—$1,913144 of 254
2020$1,945−0.8%$1,915137 of 254
2021$2,075+6.7%$2,030143 of 254
2022$2,323+12.0%$2,225158 of 254
2023$2,786+19.9%$2,599184 of 254
2024$3,232+16.0%$3,014182 of 254
2025$3,505+8.4%$3,247192 of 254

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

Claims

Total paid losses, 2025$4,673,947paid on home claims in the county
Paid losses per policy, 2025
$1,160
total paid divided by policies

Where the 2025 money went

Wind$2,771,398 59%
Water$270,316 6%
Fire$1,392,835 30%
Other$239,398 5%
YearTotal paidPer policyWindWaterFireOther
2019$1,908,085$558$1,223,484$451,073$498,487-$264,959
2020$15,711,363$4,374$2,351,439$401,610$12,899,154$59,160
2021$8,460,158$2,268$3,316,132$1,338,140$3,722,448$83,438
2022$3,920,036$1,021$1,495,772$491,719$1,826,962$105,583
2023$9,512,705$2,475$5,808,982$669,302$2,871,530$162,891
2024$4,868,765$1,231$3,067,097$292,729$1,332,253$176,686
2025$4,673,947$1,160$2,771,398$270,316$1,392,835$239,398

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, 202581
Average coverage amount, 2025$352,000
Policies counted, 20254,017
YearCompaniesAverage coveragePolicies
201990$215,0003,422
202089$219,0003,590
202187$240,0003,730
202284$274,0003,836
202379$300,0003,842
202478$321,0003,980
202581$352,0004,017

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 Bosque 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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