Texas home insurance · County data

Garza County

The average Garza County homeowner paid $3,925 for insurance in 2025, $1,880 more a year than in 2019.

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$3,925 Average yearly home insurance premium in Garza County, 2025. +6.2% from 2024.
Texas has 254 counties Garza County664 policies · 48 companies · 2025 Average home premium per year $0$1,000$2,000$3,000$4,0002019202020212022202320242025$2,045$2,080$2,229$2,483$3,038$3,697$3,925Garza CountyTexas county median Paid claims per policy, per year $0$2,000$4,000$6,000$8,0002019202020212022202320242025$640$3,093$923$1,557$1,084$1,882$2,057About 2.3× a typical year2020: $3,093 per policy All 254 counties, by 2025 average premium
The county

Here’s Garza County

Texas has 254 counties. This is one of them: 664 home insurance policies were counted here in 2025, written by 48 companies.

The price

What homeowners pay

The average yearly premium rose from $2,045 in 2019 to $3,925 in 2025, a change of +91.9%.

The dashed line is the median Texas county: $3,247 in 2025. Garza County is $678 above it.

The claims

Why it went up

Insurers set prices partly on the claims they expect to pay. In 2020, paid claims reached $3,093 per policy here, about 2.3 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, Garza County ranks 230th 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
$3,925
per year, policies with wind coverage
Change vs 2024
+6.2%
from $3,697; trend shows each year’s change
Change since 2019
+91.9%
from $2,045
Texas county median, 2025
$3,247
$678 higher here; trend shows the gap by year. A typical county, not weighted by size
Rank among Texas counties
230 of 254
1 = lowest average premium
YearAverage premiumChange vs prior yearTexas county medianRank (1 = lowest)
2019$2,045—$1,913173 of 254
2020$2,080+1.7%$1,915186 of 254
2021$2,229+7.2%$2,030199 of 254
2022$2,483+11.4%$2,225203 of 254
2023$3,038+22.4%$2,599216 of 254
2024$3,697+21.7%$3,014229 of 254
2025$3,925+6.2%$3,247230 of 254

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

Claims

Total paid losses, 2025$1,365,557paid on home claims in the county
Paid losses per policy, 2025
$2,057
total paid divided by policies

Where the 2025 money went

Wind$1,226,916 90%
Water$11,578 1%
Fire-$72,937 0%
Other$200,000 15%
YearTotal paidPer policyWindWaterFireOther
2019$369,637$640$334,071$35,219$0$347
2020$1,976,456$3,093$1,851,921$54,662$57,156$12,717
2021$593,729$923$193,459$78,100$297,987$24,183
2022$1,058,524$1,557$91,843$77,275$808,826$80,580
2023$733,954$1,084$319,608$41,485$360,509$12,352
2024$1,268,721$1,882$859,066$102,538$300,504$6,613
2025$1,365,557$2,057$1,226,916$11,578-$72,937$200,000

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, 202548
Average coverage amount, 2025$319,000
Policies counted, 2025664
YearCompaniesAverage coveragePolicies
201957$199,000578
202060$202,000639
202151$218,000643
202255$245,000680
202353$275,000677
202452$289,000677
202548$319,000664

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 Garza 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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