Texas home insurance · County data

Grimes County

The average Grimes County homeowner paid $2,963 for insurance in 2025, $1,196 more a year than in 2019.

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$2,963 Average yearly home insurance premium in Grimes County, 2025. +8.7% from 2024.
Texas has 254 counties Grimes County5,332 policies · 92 companies · 2025 Average home premium per year $0$1,000$2,000$3,000$4,0002019202020212022202320242025$1,767$1,783$1,893$2,060$2,379$2,727$2,963Grimes CountyTexas county median Paid claims per policy, per year $0$500$1,000$1,500$2,0002019202020212022202320242025$498$690$1,090$881$592$638$410 All 254 counties, by 2025 average premium
The county

Here’s Grimes County

Texas has 254 counties. This is one of them: 5,332 home insurance policies were counted here in 2025, written by 92 companies.

The price

What homeowners pay

The average yearly premium rose from $1,767 in 2019 to $2,963 in 2025, a change of +67.7%.

The dashed line is the median Texas county: $3,247 in 2025. Grimes County is $284 below it.

The claims

Why it went up

Insurers set prices partly on the claims they expect to pay. Paid claims here ranged from $410 to $1,090 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, Grimes County ranks 69th 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
$2,963
per year, policies with wind coverage
Change vs 2024
+8.7%
from $2,727; trend shows each year’s change
Change since 2019
+67.7%
from $1,767
Texas county median, 2025
$3,247
$284 lower here; trend shows the gap by year. A typical county, not weighted by size
Rank among Texas counties
69 of 254
1 = lowest average premium
YearAverage premiumChange vs prior yearTexas county medianRank (1 = lowest)
2019$1,767—$1,91377 of 254
2020$1,783+0.9%$1,91585 of 254
2021$1,893+6.2%$2,03092 of 254
2022$2,060+8.8%$2,22579 of 254
2023$2,379+15.5%$2,59971 of 254
2024$2,727+14.6%$3,01457 of 254
2025$2,963+8.7%$3,24769 of 254

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

Claims

Total paid losses, 2025$2,199,430paid on home claims in the county
Paid losses per policy, 2025
$410
total paid divided by policies

Where the 2025 money went

Wind$1,076,634 49%
Water$501,931 23%
Fire$430,402 20%
Other$190,463 9%
YearTotal paidPer policyWindWaterFireOther
2019$1,809,805$498$1,094,661$173,547$486,384$55,213
2020$2,740,105$690$1,478,828$212,866$609,798$438,613
2021$4,654,655$1,090$1,183,468$1,583,454$1,433,799$453,934
2022$4,002,320$881$690,130$298,525$2,809,685$203,980
2023$2,823,455$592$888,728$659,515$1,021,358$253,854
2024$3,284,317$638$1,834,617$385,624$952,384$111,692
2025$2,199,430$410$1,076,634$501,931$430,402$190,463

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, 202592
Average coverage amount, 2025$337,000
Policies counted, 20255,332
YearCompaniesAverage coveragePolicies
201996$218,0003,613
2020100$225,0003,954
202196$246,0004,255
202296$272,0004,525
202394$293,0004,753
202488$313,0005,146
202592$337,0005,332

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 Grimes 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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