Texas home insurance · County data

Gillespie County

The average Gillespie County homeowner paid $3,768 for insurance in 2025, $1,912 more a year than in 2019.

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$3,768 Average yearly home insurance premium in Gillespie County, 2025. +8.4% from 2024.
Texas has 254 counties Gillespie County6,526 policies · 93 companies · 2025 Average home premium per year $0$1,000$2,000$3,000$4,0002019202020212022202320242025$1,856$1,910$2,147$2,443$2,944$3,475$3,768Gillespie CountyTexas county median Paid claims per policy, per year $0$2,000$4,000$6,000$8,0002019202020212022202320242025$419$864$1,357$641$6,083$2,186$3,480About 5× a typical year2023: $6,083 per policy All 254 counties, by 2025 average premium
The county

Here’s Gillespie County

Texas has 254 counties. This is one of them: 6,526 home insurance policies were counted here in 2025, written by 93 companies.

The price

What homeowners pay

The average yearly premium rose from $1,856 in 2019 to $3,768 in 2025, a change of +103.0%.

The dashed line is the median Texas county: $3,247 in 2025. Gillespie County is $521 above it.

The claims

Why it went up

Insurers set prices partly on the claims they expect to pay. In 2023, paid claims reached $6,083 per policy here, about 5 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, Gillespie County ranks 216th 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
$3,768
per year, policies with wind coverage
Change vs 2024
+8.4%
from $3,475; trend shows each year’s change
Change since 2019
+103.0%
from $1,856
Texas county median, 2025
$3,247
$521 higher here; trend shows the gap by year. A typical county, not weighted by size
Rank among Texas counties
216 of 254
1 = lowest average premium
YearAverage premiumChange vs prior yearTexas county medianRank (1 = lowest)
2019$1,856—$1,913108 of 254
2020$1,910+2.9%$1,915124 of 254
2021$2,147+12.4%$2,030168 of 254
2022$2,443+13.8%$2,225197 of 254
2023$2,944+20.5%$2,599209 of 254
2024$3,475+18.0%$3,014209 of 254
2025$3,768+8.4%$3,247216 of 254

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

Claims

Total paid losses, 2025$22,745,339paid on home claims in the county
Paid losses per policy, 2025
$3,480
total paid divided by policies

Where the 2025 money went

Wind$17,100,768 75%
Water$753,064 3%
Fire$4,824,795 21%
Other$66,712 0%
YearTotal paidPer policyWindWaterFireOther
2019$2,117,080$419$1,425,369$582,403$48,303$61,005
2020$4,563,129$864$1,958,824$497,661$1,991,032$115,612
2021$7,659,792$1,357$1,898,367$5,059,885$302,354$399,186
2022$3,764,351$641$1,995,419$1,026,726$679,729$62,477
2023$36,925,262$6,083$34,969,626$1,214,583$387,383$353,670
2024$13,713,878$2,186$10,964,434$663,663$1,948,732$137,049
2025$22,745,339$3,480$17,100,768$753,064$4,824,795$66,712

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, 202593
Average coverage amount, 2025$624,000
Policies counted, 20256,526
YearCompaniesAverage coveragePolicies
201993$382,0005,053
202096$385,0005,281
2021101$439,0005,645
202297$499,0005,874
202397$550,0006,066
202492$593,0006,268
202593$624,0006,526

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 Gillespie 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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