Texas home insurance · County data

Franklin County

The average Franklin County homeowner paid $4,296 for insurance in 2025, $1,942 more a year than in 2019.

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$4,296 Average yearly home insurance premium in Franklin County, 2025. +6.1% from 2024.
Texas has 254 counties Franklin County2,761 policies · 78 companies · 2025 Average home premium per year $0$2,000$4,000$6,000$8,0002019202020212022202320242025$2,354$2,353$2,542$2,869$3,426$4,049$4,296Franklin CountyTexas county median Paid claims per policy, per year $0$500$1,000$1,500$2,0002019202020212022202320242025$934$1,006$1,464$1,168$1,668$733$922 All 254 counties, by 2025 average premium
The county

Here’s Franklin County

Texas has 254 counties. This is one of them: 2,761 home insurance policies were counted here in 2025, written by 78 companies.

The price

What homeowners pay

The average yearly premium rose from $2,354 in 2019 to $4,296 in 2025, a change of +82.5%.

The dashed line is the median Texas county: $3,247 in 2025. Franklin County is $1,049 above it.

The claims

Why it went up

Insurers set prices partly on the claims they expect to pay. Paid claims here ranged from $733 to $1,668 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, Franklin County ranks 247th 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
$4,296
per year, policies with wind coverage
Change vs 2024
+6.1%
from $4,049; trend shows each year’s change
Change since 2019
+82.5%
from $2,354
Texas county median, 2025
$3,247
$1,049 higher here; trend shows the gap by year. A typical county, not weighted by size
Rank among Texas counties
247 of 254
1 = lowest average premium
YearAverage premiumChange vs prior yearTexas county medianRank (1 = lowest)
2019$2,354—$1,913235 of 254
2020$2,3530.0%$1,915236 of 254
2021$2,542+8.0%$2,030240 of 254
2022$2,869+12.9%$2,225244 of 254
2023$3,426+19.4%$2,599247 of 254
2024$4,049+18.2%$3,014247 of 254
2025$4,296+6.1%$3,247247 of 254

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

Claims

Total paid losses, 2025$2,546,525paid on home claims in the county
Paid losses per policy, 2025
$922
total paid divided by policies

Where the 2025 money went

Wind$1,182,606 46%
Water$743,129 29%
Fire$552,432 22%
Other$68,358 3%
YearTotal paidPer policyWindWaterFireOther
2019$2,286,309$934$1,427,075$411,473$345,675$102,086
2020$2,529,047$1,006$1,291,531$614,056$442,743$180,717
2021$3,837,508$1,464$1,801,172$1,228,429$354,940$452,967
2022$3,156,951$1,168$885,960$432,280$1,675,864$162,847
2023$4,543,479$1,668$1,822,537$1,555,372$1,052,691$112,879
2024$2,024,332$733$1,318,281$428,283$199,379$78,389
2025$2,546,525$922$1,182,606$743,129$552,432$68,358

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, 202578
Average coverage amount, 2025$434,000
Policies counted, 20252,761
YearCompaniesAverage coveragePolicies
201984$281,0002,449
202082$289,0002,514
202180$313,0002,622
202281$355,0002,701
202381$389,0002,723
202481$407,0002,809
202578$434,0002,761

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 Franklin 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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