Texas home insurance · County data

Denton County

The average Denton County homeowner paid $4,336 for insurance in 2025, $2,214 more a year than in 2019.

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$4,336 Average yearly home insurance premium in Denton County, 2025. +7.2% from 2024.
Texas has 254 counties Denton County232,569 policies · 115 companies · 2025 Average home premium per year $0$2,000$4,000$6,000$8,0002019202020212022202320242025$2,122$2,230$2,439$2,788$3,362$4,045$4,336Denton CountyTexas county median Paid claims per policy, per year $0$1,000$2,000$3,000$4,0002019202020212022202320242025$1,180$967$2,829$3,074$2,673$3,978$2,027 All 254 counties, by 2025 average premium
The county

Here’s Denton County

Texas has 254 counties. This is one of them: 232,569 home insurance policies were counted here in 2025, written by 115 companies.

The price

What homeowners pay

The average yearly premium rose from $2,122 in 2019 to $4,336 in 2025, a change of +104.3%.

The dashed line is the median Texas county: $3,247 in 2025. Denton County is $1,089 above it.

The claims

Why it went up

Insurers set prices partly on the claims they expect to pay. Paid claims here ranged from $967 to $3,978 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, Denton County ranks 248th 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
$4,336
per year, policies with wind coverage
Change vs 2024
+7.2%
from $4,045; trend shows each year’s change
Change since 2019
+104.3%
from $2,122
Texas county median, 2025
$3,247
$1,089 higher here; trend shows the gap by year. A typical county, not weighted by size
Rank among Texas counties
248 of 254
1 = lowest average premium
YearAverage premiumChange vs prior yearTexas county medianRank (1 = lowest)
2019$2,122—$1,913197 of 254
2020$2,230+5.1%$1,915222 of 254
2021$2,439+9.4%$2,030230 of 254
2022$2,788+14.3%$2,225238 of 254
2023$3,362+20.6%$2,599241 of 254
2024$4,045+20.3%$3,014246 of 254
2025$4,336+7.2%$3,247248 of 254

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

Claims

Total paid losses, 2025$472,965,115paid on home claims in the county
Paid losses per policy, 2025
$2,027
total paid divided by policies

Where the 2025 money went

Wind$302,058,223 64%
Water$103,847,043 22%
Fire$58,428,205 12%
Other$8,631,644 2%
YearTotal paidPer policyWindWaterFireOther
2019$234,768,029$1,180$152,179,682$47,094,920$27,772,000$7,721,427
2020$201,308,621$967$106,871,859$51,199,508$32,374,703$10,862,551
2021$608,883,673$2,829$248,341,638$298,198,115$44,017,641$18,326,279
2022$681,149,685$3,074$491,878,653$113,499,424$59,799,756$15,971,852
2023$608,486,974$2,673$383,114,794$151,865,836$52,894,458$20,611,886
2024$932,514,650$3,978$747,796,832$117,227,083$52,160,712$15,330,023
2025$472,965,115$2,027$302,058,223$103,847,043$58,428,205$8,631,644

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, 2025115
Average coverage amount, 2025$543,000
Policies counted, 2025232,569
YearCompaniesAverage coveragePolicies
2019117$357,000198,843
2020122$365,000208,136
2021118$394,000215,196
2022120$444,000221,200
2023117$481,000227,573
2024114$509,000233,915
2025115$543,000232,569

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 Denton 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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