Texas home insurance · County data

Gregg County

The average Gregg County homeowner paid $3,088 for insurance in 2025, $1,317 more a year than in 2019.

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$3,088 Average yearly home insurance premium in Gregg County, 2025. +8.4% from 2024.
Texas has 254 counties Gregg County30,804 policies · 105 companies · 2025 Average home premium per year $0$1,000$2,000$3,000$4,0002019202020212022202320242025$1,771$1,758$1,856$2,059$2,432$2,850$3,088Gregg CountyTexas county median Paid claims per policy, per year $0$500$1,000$1,500$2,0002019202020212022202320242025$1,921$1,254$1,371$1,550$1,963$1,524$916 All 254 counties, by 2025 average premium
The county

Here’s Gregg County

Texas has 254 counties. This is one of them: 30,804 home insurance policies were counted here in 2025, written by 105 companies.

The price

What homeowners pay

The average yearly premium rose from $1,771 in 2019 to $3,088 in 2025, a change of +74.4%.

The dashed line is the median Texas county: $3,247 in 2025. Gregg County is $159 below it.

The claims

Why it went up

Insurers set prices partly on the claims they expect to pay. Paid claims here ranged from $916 to $1,963 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, Gregg County ranks 90th 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
$3,088
per year, policies with wind coverage
Change vs 2024
+8.4%
from $2,850; trend shows each year’s change
Change since 2019
+74.4%
from $1,771
Texas county median, 2025
$3,247
$159 lower here; trend shows the gap by year. A typical county, not weighted by size
Rank among Texas counties
90 of 254
1 = lowest average premium
YearAverage premiumChange vs prior yearTexas county medianRank (1 = lowest)
2019$1,771—$1,91378 of 254
2020$1,758−0.7%$1,91575 of 254
2021$1,856+5.6%$2,03072 of 254
2022$2,059+10.9%$2,22577 of 254
2023$2,432+18.1%$2,59986 of 254
2024$2,850+17.2%$3,01488 of 254
2025$3,088+8.4%$3,24790 of 254

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

Claims

Total paid losses, 2025$28,302,499paid on home claims in the county
Paid losses per policy, 2025
$916
total paid divided by policies

Where the 2025 money went

Wind$13,515,724 48%
Water$7,044,222 25%
Fire$6,610,323 23%
Other$1,132,230 4%
YearTotal paidPer policyWindWaterFireOther
2019$56,076,849$1,921$46,279,206$2,758,492$5,496,982$1,542,169
2020$38,053,501$1,254$27,560,941$3,232,132$5,615,265$1,645,163
2021$42,117,401$1,371$20,349,024$12,326,408$4,920,237$4,521,732
2022$48,440,702$1,550$33,908,787$5,501,189$6,552,721$2,478,005
2023$61,566,686$1,963$41,815,160$8,950,696$8,018,309$2,782,521
2024$47,815,537$1,524$28,539,528$7,207,400$10,762,859$1,305,750
2025$28,302,499$916$13,515,724$7,044,222$6,610,323$1,132,230

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, 2025105
Average coverage amount, 2025$362,000
Policies counted, 202530,804
YearCompaniesAverage coveragePolicies
2019113$240,00029,176
2020115$245,00030,340
2021113$265,00030,711
2022113$295,00031,229
2023111$322,00031,358
2024106$336,00031,637
2025105$362,00030,804

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 Gregg 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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