Texas home insurance · County data

Brazoria County

The average Brazoria County homeowner paid $3,871 for insurance in 2025, $1,500 more a year than in 2019.

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$3,871 Average yearly home insurance premium in Brazoria County, 2025. +2.3% from 2024.
Texas has 254 counties Brazoria County43,135 policies · 109 companies · 2025 Average home premium per year $0$1,000$2,000$3,000$4,0002019202020212022202320242025$2,371$2,385$2,565$2,715$3,265$3,783$3,871Brazoria CountyTexas county median Paid claims per policy, per year $0$500$1,000$1,500$2,0002019202020212022202320242025$356$377$1,294$504$544$993$623About 2.5× a typical year2021: $1,294 per policy All 254 counties, by 2025 average premium
The county

Here’s Brazoria County

Texas has 254 counties. This is one of them: 43,135 home insurance policies were counted here in 2025, written by 109 companies.

The price

What homeowners pay

The average yearly premium rose from $2,371 in 2019 to $3,871 in 2025, a change of +63.3%.

The dashed line is the median Texas county: $3,247 in 2025. Brazoria County is $624 above it.

The claims

Why it went up

Insurers set prices partly on the claims they expect to pay. In 2021, paid claims reached $1,294 per policy here, about 2.5 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, Brazoria County ranks 224th 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
$3,871
per year, policies with wind coverage
Change vs 2024
+2.3%
from $3,783; trend shows each year’s change
Change since 2019
+63.3%
from $2,371
Texas county median, 2025
$3,247
$624 higher here; trend shows the gap by year. A typical county, not weighted by size
Rank among Texas counties
224 of 254
1 = lowest average premium
Average premium without wind coverage, 2025$1,371
Average Texas Windstorm Insurance Association premium, 2025$2,636
YearAverage premiumChange vs prior yearTexas county medianRank (1 = lowest)
2019$2,371—$1,913238 of 254
2020$2,385+0.6%$1,915240 of 254
2021$2,565+7.5%$2,030245 of 254
2022$2,715+5.8%$2,225235 of 254
2023$3,265+20.3%$2,599239 of 254
2024$3,783+15.9%$3,014234 of 254
2025$3,871+2.3%$3,247224 of 254

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

Claims

Total paid losses, 2025$59,858,494paid on home claims in the county
Paid losses per policy, 2025
$623
total paid divided by policies

Where the 2025 money went

Wind$21,775,692 36%
Water$17,575,138 29%
Fire$14,731,046 25%
Other$5,776,618 10%
YearTotal paidPer policyWindWaterFireOther
2019$28,505,115$356$6,994,750$10,381,504$7,972,198$3,156,663
2020$31,620,191$377$7,312,142$9,566,449$11,544,220$3,197,380
2021$113,519,234$1,294$13,394,821$84,064,191$12,922,511$3,137,711
2022$46,445,701$504$11,561,587$20,120,111$11,221,851$3,542,152
2023$50,547,914$544$14,390,598$21,916,320$10,625,939$3,615,057
2024$94,458,625$993$55,676,236$19,152,954$12,953,394$6,676,041
2025$59,858,494$623$21,775,692$17,575,138$14,731,046$5,776,618

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, 2025109
Average coverage amount, 2025$403,000
Policies counted, 202543,135
YearCompaniesAverage coveragePoliciesAvg premium, no windAvg TWIA premium
2019110$273,00040,702$890$1,759
2020116$281,00046,109$905$1,766
2021115$300,00048,866$932$1,815
2022119$336,00053,540$987$2,111
2023112$371,00047,743$1,067$2,319
2024107$389,00045,391$1,234$2,474
2025109$403,00043,135$1,371$2,636

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 Brazoria 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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