Texas home insurance · County data

Cass County

The average Cass County homeowner paid $2,956 for insurance in 2025, $1,146 more a year than in 2019.

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$2,956 Average yearly home insurance premium in Cass County, 2025. +8.2% from 2024.
Texas has 254 counties Cass County5,549 policies · 77 companies · 2025 Average home premium per year $0$1,000$2,000$3,000$4,0002019202020212022202320242025$1,810$1,810$1,877$2,064$2,393$2,732$2,956Cass CountyTexas county median Paid claims per policy, per year $0$500$1,000$1,500$2,0002019202020212022202320242025$724$1,153$1,235$1,349$1,611$777$904 All 254 counties, by 2025 average premium
The county

Here’s Cass County

Texas has 254 counties. This is one of them: 5,549 home insurance policies were counted here in 2025, written by 77 companies.

The price

What homeowners pay

The average yearly premium rose from $1,810 in 2019 to $2,956 in 2025, a change of +63.3%.

The dashed line is the median Texas county: $3,247 in 2025. Cass County is $291 below it.

The claims

Why it went up

Insurers set prices partly on the claims they expect to pay. Paid claims here ranged from $724 to $1,611 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, Cass County ranks 66th 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
$2,956
per year, policies with wind coverage
Change vs 2024
+8.2%
from $2,732; trend shows each year’s change
Change since 2019
+63.3%
from $1,810
Texas county median, 2025
$3,247
$291 lower here; trend shows the gap by year. A typical county, not weighted by size
Rank among Texas counties
66 of 254
1 = lowest average premium
YearAverage premiumChange vs prior yearTexas county medianRank (1 = lowest)
2019$1,810—$1,91390 of 254
2020$1,8100.0%$1,91592 of 254
2021$1,877+3.7%$2,03084 of 254
2022$2,064+10.0%$2,22585 of 254
2023$2,393+15.9%$2,59978 of 254
2024$2,732+14.2%$3,01460 of 254
2025$2,956+8.2%$3,24766 of 254

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

Claims

Total paid losses, 2025$5,027,874paid on home claims in the county
Paid losses per policy, 2025
$904
total paid divided by policies

Where the 2025 money went

Wind$1,791,332 36%
Water$510,021 10%
Fire$2,668,407 53%
Other$58,114 1%
YearTotal paidPer policyWindWaterFireOther
2019$3,492,898$724$1,275,014$357,835$1,731,160$128,889
2020$5,720,581$1,153$4,184,922$354,770$1,043,041$137,848
2021$6,351,359$1,235$1,922,196$1,128,022$2,643,058$658,083
2022$7,061,465$1,349$4,228,763$779,392$1,545,401$507,909
2023$8,686,718$1,611$6,501,451$1,098,714$980,776$105,777
2024$4,253,703$777$2,270,270$759,365$990,743$233,325
2025$5,027,874$904$1,791,332$510,021$2,668,407$58,114

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, 202577
Average coverage amount, 2025$275,000
Policies counted, 20255,549
YearCompaniesAverage coveragePolicies
201989$177,0004,826
202085$183,0004,960
202188$196,0005,139
202286$218,0005,226
202385$238,0005,388
202480$253,0005,534
202577$275,0005,549

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 Cass 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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