Texas home insurance · County data

Brooks County

The average Brooks County homeowner paid $3,131 for insurance in 2025, $1,069 more a year than in 2019.

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$3,131 Average yearly home insurance premium in Brooks County, 2025. +8.2% from 2024.
Texas has 254 counties Brooks County495 policies · 50 companies · 2025 Average home premium per year $0$1,000$2,000$3,000$4,0002019202020212022202320242025$2,062$2,089$2,007$2,149$2,487$2,894$3,131Brooks CountyTexas county median Paid claims per policy, per year $0$200$400$600$8002019202020212022202320242025$328$405$406$95$94$183$113About 2.7× a typical year2021: $406 per policy All 254 counties, by 2025 average premium
The county

Here’s Brooks County

Texas has 254 counties. This is one of them: 495 home insurance policies were counted here in 2025, written by 50 companies.

The price

What homeowners pay

The average yearly premium rose from $2,062 in 2019 to $3,131 in 2025, a change of +51.8%.

The dashed line is the median Texas county: $3,247 in 2025. Brooks County is $116 below it.

The claims

Why it went up

Insurers set prices partly on the claims they expect to pay. In 2021, paid claims reached $406 per policy here, about 2.7 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, Brooks County ranks 97th 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
$3,131
per year, policies with wind coverage
Change vs 2024
+8.2%
from $2,894; trend shows each year’s change
Change since 2019
+51.8%
from $2,062
Texas county median, 2025
$3,247
$116 lower here; trend shows the gap by year. A typical county, not weighted by size
Rank among Texas counties
97 of 254
1 = lowest average premium
YearAverage premiumChange vs prior yearTexas county medianRank (1 = lowest)
2019$2,062—$1,913181 of 254
2020$2,089+1.3%$1,915189 of 254
2021$2,007−3.9%$2,030121 of 254
2022$2,149+7.1%$2,225108 of 254
2023$2,487+15.7%$2,59995 of 254
2024$2,894+16.4%$3,01496 of 254
2025$3,131+8.2%$3,24797 of 254

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

Claims

Total paid losses, 2025$56,702paid on home claims in the county
Paid losses per policy, 2025
$113
total paid divided by policies

Where the 2025 money went

Wind$56,035 99%
Water$0 0%
Fire$667 1%
Other$0 0%
YearTotal paidPer policyWindWaterFireOther
2019$165,064$328$23,339$14,058$96,824$30,843
2020$213,648$405$198,550$2,102$12,576$420
2021$215,334$406$182,278$30,379$616$2,061
2022$53,185$95$22,241$6,942$11,750$12,252
2023$51,606$94$21,628$11,508$0$18,470
2024$95,580$183$80,095$14,085$0$1,400
2025$56,702$113$56,035$0$667$0

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, 202550
Average coverage amount, 2025$263,000
Policies counted, 2025495
YearCompaniesAverage coveragePolicies
201942$249,000501
202045$230,000521
202146$194,000526
202250$208,000555
202352$227,000544
202451$229,000518
202550$263,000495

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 Brooks 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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