Texas home insurance · County data

Edwards County

The average Edwards County homeowner paid $2,436 for insurance in 2025, $1,030 more a year than in 2019.

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$2,436 Average yearly home insurance premium in Edwards County, 2025. +5.0% from 2024.
Texas has 254 counties Edwards County384 policies · 37 companies · 2025 Average home premium per year $0$1,000$2,000$3,000$4,0002019202020212022202320242025$1,406$1,466$1,552$1,633$1,937$2,321$2,436Edwards CountyTexas county median Paid claims per policy, per year $0$200$400$600$8002019202020212022202320242025$436$637$597$329$259$283$637 All 254 counties, by 2025 average premium
The county

Here’s Edwards County

Texas has 254 counties. This is one of them: 384 home insurance policies were counted here in 2025, written by 37 companies.

The price

What homeowners pay

The average yearly premium rose from $1,406 in 2019 to $2,436 in 2025, a change of +73.3%.

The dashed line is the median Texas county: $3,247 in 2025. Edwards County is $811 below it.

The claims

Why it went up

Insurers set prices partly on the claims they expect to pay. Paid claims here ranged from $259 to $637 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, Edwards County ranks 15th 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
$2,436
per year, policies with wind coverage
Change vs 2024
+5.0%
from $2,321; trend shows each year’s change
Change since 2019
+73.3%
from $1,406
Texas county median, 2025
$3,247
$811 lower here; trend shows the gap by year. A typical county, not weighted by size
Rank among Texas counties
15 of 254
1 = lowest average premium
YearAverage premiumChange vs prior yearTexas county medianRank (1 = lowest)
2019$1,406—$1,9138 of 254
2020$1,466+4.3%$1,91513 of 254
2021$1,552+5.9%$2,03013 of 254
2022$1,633+5.2%$2,2258 of 254
2023$1,937+18.6%$2,59912 of 254
2024$2,321+19.8%$3,01417 of 254
2025$2,436+5.0%$3,24715 of 254

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

Claims

Total paid losses, 2025$247,250paid on home claims in the county
Paid losses per policy, 2025
$637
total paid divided by policies

Where the 2025 money went

Wind$136,631 55%
Water$105,997 43%
Fire$4,622 2%
Other$0 0%
YearTotal paidPer policyWindWaterFireOther
2019$142,576$436$119,597$0$991$21,988
2020$223,742$637$54,648$154,440$10,378$4,276
2021$213,566$597$41,863$67,161$96,346$8,196
2022$122,768$329$55,157$8,896$58,715$0
2023$102,195$259$67,654$22,621$11,920$0
2024$110,700$283$86,610$0$24,090$0
2025$247,250$637$136,631$105,997$4,622$0

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, 202537
Average coverage amount, 2025$245,000
Policies counted, 2025384
YearCompaniesAverage coveragePolicies
201939$160,000322
202040$167,000346
202137$175,000355
202240$198,000372
202343$224,000393
202438$235,000389
202537$245,000384

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 Edwards 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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