Texas home insurance · County data

Callahan County

The average Callahan County homeowner paid $3,217 for insurance in 2025, $1,274 more a year than in 2019.

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$3,217 Average yearly home insurance premium in Callahan County, 2025. +6.0% from 2024.
Texas has 254 counties Callahan County2,371 policies · 70 companies · 2025 Average home premium per year $0$1,000$2,000$3,000$4,0002019202020212022202320242025$1,943$1,947$2,057$2,230$2,600$3,035$3,217Callahan CountyTexas county median Paid claims per policy, per year $0$500$1,000$1,500$2,0002019202020212022202320242025$1,088$468$421$1,364$1,581$1,519$1,107 All 254 counties, by 2025 average premium
The county

Here’s Callahan County

Texas has 254 counties. This is one of them: 2,371 home insurance policies were counted here in 2025, written by 70 companies.

The price

What homeowners pay

The average yearly premium rose from $1,943 in 2019 to $3,217 in 2025, a change of +65.6%.

The dashed line is the median Texas county: $3,247 in 2025. Callahan County is $30 below it.

The claims

Why it went up

Insurers set prices partly on the claims they expect to pay. Paid claims here ranged from $421 to $1,581 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, Callahan County ranks 118th 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
$3,217
per year, policies with wind coverage
Change vs 2024
+6.0%
from $3,035; trend shows each year’s change
Change since 2019
+65.6%
from $1,943
Texas county median, 2025
$3,247
$30 lower here; trend shows the gap by year. A typical county, not weighted by size
Rank among Texas counties
118 of 254
1 = lowest average premium
YearAverage premiumChange vs prior yearTexas county medianRank (1 = lowest)
2019$1,943—$1,913136 of 254
2020$1,947+0.2%$1,915140 of 254
2021$2,057+5.6%$2,030140 of 254
2022$2,230+8.4%$2,225130 of 254
2023$2,600+16.6%$2,599128 of 254
2024$3,035+16.7%$3,014130 of 254
2025$3,217+6.0%$3,247118 of 254

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

Claims

Total paid losses, 2025$2,627,544paid on home claims in the county
Paid losses per policy, 2025
$1,107
total paid divided by policies

Where the 2025 money went

Wind$1,748,244 67%
Water$261,520 10%
Fire$396,337 15%
Other$221,443 8%
YearTotal paidPer policyWindWaterFireOther
2019$2,023,569$1,088$1,217,770$326,790$473,120$5,889
2020$925,894$468$607,127$95,083$185,372$38,312
2021$867,318$421$362,772$371,307$36,068$97,171
2022$2,882,756$1,364$2,428,751$132,207$251,340$70,458
2023$3,425,656$1,581$2,794,291$133,118$440,290$57,957
2024$3,448,819$1,519$2,663,586$325,296$387,206$72,731
2025$2,627,544$1,107$1,748,244$261,520$396,337$221,443

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, 202570
Average coverage amount, 2025$299,000
Policies counted, 20252,371
YearCompaniesAverage coveragePolicies
201976$187,0001,859
202080$197,0001,978
202179$213,0002,058
202279$239,0002,113
202374$259,0002,166
202473$275,0002,293
202570$299,0002,371

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 Callahan 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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