Texas home insurance · County data

Donley County

The average Donley County homeowner paid $3,332 for insurance in 2025, $1,318 more a year than in 2019.

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$3,332 Average yearly home insurance premium in Donley County, 2025. +8.6% from 2024.
Texas has 254 counties Donley County583 policies · 43 companies · 2025 Average home premium per year $0$1,000$2,000$3,000$4,0002019202020212022202320242025$2,014$1,978$2,101$2,324$2,737$3,069$3,332Donley CountyTexas county median Paid claims per policy, per year $0$1,000$2,000$3,000$4,0002019202020212022202320242025$1,057$735$820$495$794$2,300$1,132About 2.9× a typical year2024: $2,300 per policy All 254 counties, by 2025 average premium
The county

Here’s Donley County

Texas has 254 counties. This is one of them: 583 home insurance policies were counted here in 2025, written by 43 companies.

The price

What homeowners pay

The average yearly premium rose from $2,014 in 2019 to $3,332 in 2025, a change of +65.4%.

The dashed line is the median Texas county: $3,247 in 2025. Donley County is $85 above it.

The claims

Why it went up

Insurers set prices partly on the claims they expect to pay. In 2024, paid claims reached $2,300 per policy here, about 2.9 times a typical year.

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, Donley County ranks 153rd 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
$3,332
per year, policies with wind coverage
Change vs 2024
+8.6%
from $3,069; trend shows each year’s change
Change since 2019
+65.4%
from $2,014
Texas county median, 2025
$3,247
$85 higher here; trend shows the gap by year. A typical county, not weighted by size
Rank among Texas counties
153 of 254
1 = lowest average premium
YearAverage premiumChange vs prior yearTexas county medianRank (1 = lowest)
2019$2,014—$1,913168 of 254
2020$1,978−1.8%$1,915150 of 254
2021$2,101+6.2%$2,030150 of 254
2022$2,324+10.6%$2,225159 of 254
2023$2,737+17.8%$2,599171 of 254
2024$3,069+12.1%$3,014139 of 254
2025$3,332+8.6%$3,247153 of 254

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

Claims

Total paid losses, 2025$660,958paid on home claims in the county
Paid losses per policy, 2025
$1,132
total paid divided by policies

Where the 2025 money went

Wind$547,515 83%
Water$0 0%
Fire$100,337 15%
Other$13,106 2%
YearTotal paidPer policyWindWaterFireOther
2019$517,737$1,057$331,966$2,538$182,805$428
2020$390,449$735$378,024$9,024$1,650$1,751
2021$447,476$820$369,569$60,136$14,745$3,026
2022$271,991$495$243,793$12,273$1,685$14,240
2023$454,193$794$230,080$22,370$186,452$15,291
2024$1,318,030$2,300$993,721$57,481$264,592$2,236
2025$660,958$1,132$547,515$0$100,337$13,106

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, 202543
Average coverage amount, 2025$260,000
Policies counted, 2025583
YearCompaniesAverage coveragePolicies
201947$168,000490
202047$178,000531
202152$185,000546
202254$214,000549
202347$232,000572
202440$237,000592
202543$260,000583

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 Donley 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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