Texas home insurance · County data

Colorado County

The average Colorado County homeowner paid $3,588 for insurance in 2025, $1,587 more a year than in 2019.

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$3,588 Average yearly home insurance premium in Colorado County, 2025. +9.0% from 2024.
Texas has 254 counties Colorado County2,859 policies · 88 companies · 2025 Average home premium per year $0$1,000$2,000$3,000$4,0002019202020212022202320242025$2,001$2,042$2,219$2,459$2,843$3,291$3,588Colorado CountyTexas county median Paid claims per policy, per year $0$500$1,000$1,500$2,0002019202020212022202320242025$839$853$1,329$606$583$1,055$503 All 254 counties, by 2025 average premium
The county

Here’s Colorado County

Texas has 254 counties. This is one of them: 2,859 home insurance policies were counted here in 2025, written by 88 companies.

The price

What homeowners pay

The average yearly premium rose from $2,001 in 2019 to $3,588 in 2025, a change of +79.3%.

The dashed line is the median Texas county: $3,247 in 2025. Colorado County is $341 above it.

The claims

Why it went up

Insurers set prices partly on the claims they expect to pay. Paid claims here ranged from $503 to $1,329 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, Colorado County ranks 204th 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
$3,588
per year, policies with wind coverage
Change vs 2024
+9.0%
from $3,291; trend shows each year’s change
Change since 2019
+79.3%
from $2,001
Texas county median, 2025
$3,247
$341 higher here; trend shows the gap by year. A typical county, not weighted by size
Rank among Texas counties
204 of 254
1 = lowest average premium
YearAverage premiumChange vs prior yearTexas county medianRank (1 = lowest)
2019$2,001—$1,913164 of 254
2020$2,042+2.0%$1,915174 of 254
2021$2,219+8.7%$2,030193 of 254
2022$2,459+10.8%$2,225200 of 254
2023$2,843+15.6%$2,599196 of 254
2024$3,291+15.8%$3,014194 of 254
2025$3,588+9.0%$3,247204 of 254

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

Claims

Total paid losses, 2025$1,474,427paid on home claims in the county
Paid losses per policy, 2025
$503
total paid divided by policies

Where the 2025 money went

Wind$487,754 33%
Water$368,057 25%
Fire$244,639 17%
Other$373,977 25%
YearTotal paidPer policyWindWaterFireOther
2019$2,183,029$839$581,019$346,330$1,091,830$163,850
2020$2,242,389$853$329,138$224,217$1,563,428$125,606
2021$3,630,192$1,329$499,534$1,086,824$1,957,742$86,092
2022$1,666,696$606$371,316$421,303$834,883$39,194
2023$1,620,711$583$646,164$558,082$295,005$121,460
2024$3,025,638$1,055$1,478,503$566,705$229,222$751,208
2025$1,474,427$503$487,754$368,057$244,639$373,977

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, 202588
Average coverage amount, 2025$393,000
Policies counted, 20252,859
YearCompaniesAverage coveragePolicies
201989$258,0002,574
202095$256,0002,595
202189$287,0002,700
202288$318,0002,722
202387$344,0002,741
202486$363,0002,816
202588$393,0002,859

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 Colorado 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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