Texas home insurance · County data

Hardeman County

The average Hardeman County homeowner paid $3,477 for insurance in 2025, $1,352 more a year than in 2019.

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$3,477 Average yearly home insurance premium in Hardeman County, 2025. +10.1% from 2024.
Texas has 254 counties Hardeman County463 policies · 41 companies · 2025 Average home premium per year $0$1,000$2,000$3,000$4,0002019202020212022202320242025$2,125$2,125$2,210$2,403$2,766$3,157$3,477Hardeman CountyTexas county median Paid claims per policy, per year $0$500$1,000$1,500$2,0002019202020212022202320242025$600$1,540$1,429$909$1,940$1,103$1,938 All 254 counties, by 2025 average premium
The county

Here’s Hardeman County

Texas has 254 counties. This is one of them: 463 home insurance policies were counted here in 2025, written by 41 companies.

The price

What homeowners pay

The average yearly premium rose from $2,125 in 2019 to $3,477 in 2025, a change of +63.6%.

The dashed line is the median Texas county: $3,247 in 2025. Hardeman County is $230 above it.

The claims

Why it went up

Insurers set prices partly on the claims they expect to pay. Paid claims here ranged from $600 to $1,940 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, Hardeman County ranks 184th 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
$3,477
per year, policies with wind coverage
Change vs 2024
+10.1%
from $3,157; trend shows each year’s change
Change since 2019
+63.6%
from $2,125
Texas county median, 2025
$3,247
$230 higher here; trend shows the gap by year. A typical county, not weighted by size
Rank among Texas counties
184 of 254
1 = lowest average premium
YearAverage premiumChange vs prior yearTexas county medianRank (1 = lowest)
2019$2,125—$1,913199 of 254
2020$2,1250.0%$1,915199 of 254
2021$2,210+4.0%$2,030191 of 254
2022$2,403+8.7%$2,225187 of 254
2023$2,766+15.1%$2,599177 of 254
2024$3,157+14.1%$3,014161 of 254
2025$3,477+10.1%$3,247184 of 254

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

Claims

Total paid losses, 2025$899,335paid on home claims in the county
Paid losses per policy, 2025
$1,938
total paid divided by policies

Where the 2025 money went

Wind$232,107 26%
Water$108,474 12%
Fire$535,434 60%
Other$23,320 3%
YearTotal paidPer policyWindWaterFireOther
2019$277,011$600$186,584$9,283$2,773$78,371
2020$756,196$1,540$730,065$4,204$12,202$9,725
2021$704,637$1,429$475,832$183,188$33,818$11,799
2022$438,090$909$136,080$63,935$228,374$9,701
2023$927,540$1,940$620,582$180,336$124,242$2,380
2024$531,577$1,103$171,224$339,943$16,368$4,042
2025$899,335$1,938$232,107$108,474$535,434$23,320

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, 202541
Average coverage amount, 2025$242,000
Policies counted, 2025463
YearCompaniesAverage coveragePolicies
201944$154,000462
202045$160,000491
202146$168,000493
202246$188,000482
202350$202,000478
202444$219,000491
202541$242,000463

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 Hardeman 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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