Texas home insurance · County data

Brewster County

The average Brewster County homeowner paid $2,585 for insurance in 2025, $966 more a year than in 2019.

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$2,585 Average yearly home insurance premium in Brewster County, 2025. +2.3% from 2024.
Texas has 254 counties Brewster County1,732 policies · 64 companies · 2025 Average home premium per year $0$1,000$2,000$3,000$4,0002019202020212022202320242025$1,619$1,568$1,699$1,799$2,106$2,528$2,585Brewster CountyTexas county median Paid claims per policy, per year $0$500$1,000$1,500$2,0002019202020212022202320242025$728$274$322$1,002$809$499$400About 2.2× a typical year2022: $1,002 per policy All 254 counties, by 2025 average premium
The county

Here’s Brewster County

Texas has 254 counties. This is one of them: 1,732 home insurance policies were counted here in 2025, written by 64 companies.

The price

What homeowners pay

The average yearly premium rose from $1,619 in 2019 to $2,585 in 2025, a change of +59.7%.

The dashed line is the median Texas county: $3,247 in 2025. Brewster County is $662 below it.

The claims

Why it went up

Insurers set prices partly on the claims they expect to pay. In 2022, paid claims reached $1,002 per policy here, about 2.2 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, Brewster County ranks 23rd 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
$2,585
per year, policies with wind coverage
Change vs 2024
+2.3%
from $2,528; trend shows each year’s change
Change since 2019
+59.7%
from $1,619
Texas county median, 2025
$3,247
$662 lower here; trend shows the gap by year. A typical county, not weighted by size
Rank among Texas counties
23 of 254
1 = lowest average premium
YearAverage premiumChange vs prior yearTexas county medianRank (1 = lowest)
2019$1,619—$1,91342 of 254
2020$1,568−3.2%$1,91533 of 254
2021$1,699+8.4%$2,03033 of 254
2022$1,799+5.9%$2,22528 of 254
2023$2,106+17.1%$2,59927 of 254
2024$2,528+20.0%$3,01431 of 254
2025$2,585+2.3%$3,24723 of 254

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

Claims

Total paid losses, 2025$693,937paid on home claims in the county
Paid losses per policy, 2025
$400
total paid divided by policies

Where the 2025 money went

Wind$330,229 48%
Water$64,956 9%
Fire$125,175 18%
Other$173,577 25%
YearTotal paidPer policyWindWaterFireOther
2019$1,213,306$728$822,522$96,483$283,543$10,758
2020$472,550$274$285,563$76,309$64,634$46,044
2021$578,186$322$196,528$150,642$168,952$62,064
2022$1,829,273$1,002$421,519$152,196$1,252,080$3,478
2023$1,459,336$809$772,146$473,408$143,873$69,909
2024$885,987$499$656,751$106,195$95,146$27,895
2025$693,937$400$330,229$64,956$125,175$173,577

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, 202564
Average coverage amount, 2025$331,000
Policies counted, 20251,732
YearCompaniesAverage coveragePolicies
201960$223,0001,658
202063$228,0001,716
202160$249,0001,788
202257$275,0001,819
202360$299,0001,799
202462$313,0001,771
202564$331,0001,732

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 Brewster 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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