Texas home insurance · County data

Comal County

The average Comal County homeowner paid $2,803 for insurance in 2025, $1,281 more a year than in 2019.

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$2,803 Average yearly home insurance premium in Comal County, 2025. +7.2% from 2024.
Texas has 254 counties Comal County66,437 policies · 117 companies · 2025 Average home premium per year $0$1,000$2,000$3,000$4,0002019202020212022202320242025$1,522$1,509$1,636$1,837$2,207$2,614$2,803Comal CountyTexas county median Paid claims per policy, per year $0$500$1,000$1,500$2,0002019202020212022202320242025$592$468$1,600$1,072$1,528$926$704 All 254 counties, by 2025 average premium
The county

Here’s Comal County

Texas has 254 counties. This is one of them: 66,437 home insurance policies were counted here in 2025, written by 117 companies.

The price

What homeowners pay

The average yearly premium rose from $1,522 in 2019 to $2,803 in 2025, a change of +84.2%.

The dashed line is the median Texas county: $3,247 in 2025. Comal County is $444 below it.

The claims

Why it went up

Insurers set prices partly on the claims they expect to pay. Paid claims here ranged from $468 to $1,600 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, Comal County ranks 39th 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
$2,803
per year, policies with wind coverage
Change vs 2024
+7.2%
from $2,614; trend shows each year’s change
Change since 2019
+84.2%
from $1,522
Texas county median, 2025
$3,247
$444 lower here; trend shows the gap by year. A typical county, not weighted by size
Rank among Texas counties
39 of 254
1 = lowest average premium
YearAverage premiumChange vs prior yearTexas county medianRank (1 = lowest)
2019$1,522—$1,91325 of 254
2020$1,509−0.9%$1,91525 of 254
2021$1,636+8.4%$2,03029 of 254
2022$1,837+12.3%$2,22532 of 254
2023$2,207+20.1%$2,59940 of 254
2024$2,614+18.4%$3,01445 of 254
2025$2,803+7.2%$3,24739 of 254

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

Claims

Total paid losses, 2025$46,828,713paid on home claims in the county
Paid losses per policy, 2025
$704
total paid divided by policies

Where the 2025 money went

Wind$20,309,371 43%
Water$12,300,278 26%
Fire$10,822,920 23%
Other$3,396,144 7%
YearTotal paidPer policyWindWaterFireOther
2019$27,952,829$592$13,926,996$5,978,156$5,952,481$2,095,196
2020$24,095,928$468$9,141,983$7,120,219$6,520,418$1,313,308
2021$88,655,995$1,600$53,841,644$26,331,048$4,882,815$3,600,488
2022$62,947,480$1,072$42,915,732$11,808,024$6,086,359$2,137,365
2023$93,438,005$1,528$59,265,366$16,399,325$13,747,783$4,025,531
2024$59,542,317$926$32,820,777$14,206,397$9,124,607$3,390,536
2025$46,828,713$704$20,309,371$12,300,278$10,822,920$3,396,144

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, 2025117
Average coverage amount, 2025$490,000
Policies counted, 202566,437
YearCompaniesAverage coveragePolicies
2019118$325,00047,160
2020124$330,00051,504
2021121$363,00055,369
2022122$409,00058,658
2023120$444,00061,137
2024118$466,00064,224
2025117$490,00066,437

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 Comal 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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