Texas home insurance · County data

Hemphill County

The average Hemphill County homeowner paid $4,020 for insurance in 2025, $1,444 more a year than in 2019.

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$4,020 Average yearly home insurance premium in Hemphill County, 2025. +4.4% from 2024.
Texas has 254 counties Hemphill County596 policies · 51 companies · 2025 Average home premium per year $0$2,000$4,000$6,000$8,0002019202020212022202320242025$2,576$2,443$2,550$2,896$3,374$3,852$4,020Hemphill CountyTexas county median Paid claims per policy, per year $0$10K$20K$30K$40K2019202020212022202320242025$912$546$4,052$1,625$1,486$19,940-$7,657About 17× a typical year2024: $19,940 per policy All 254 counties, by 2025 average premium
The county

Here’s Hemphill County

Texas has 254 counties. This is one of them: 596 home insurance policies were counted here in 2025, written by 51 companies.

The price

What homeowners pay

The average yearly premium rose from $2,576 in 2019 to $4,020 in 2025, a change of +56.1%.

The dashed line is the median Texas county: $3,247 in 2025. Hemphill County is $773 above it.

The claims

Why it went up

Insurers set prices partly on the claims they expect to pay. In 2024, paid claims reached $19,940 per policy here, about 17 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, Hemphill County ranks 238th 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
$4,020
per year, policies with wind coverage
Change vs 2024
+4.4%
from $3,852; trend shows each year’s change
Change since 2019
+56.1%
from $2,576
Texas county median, 2025
$3,247
$773 higher here; trend shows the gap by year. A typical county, not weighted by size
Rank among Texas counties
238 of 254
1 = lowest average premium
YearAverage premiumChange vs prior yearTexas county medianRank (1 = lowest)
2019$2,576—$1,913243 of 254
2020$2,443−5.2%$1,915245 of 254
2021$2,550+4.4%$2,030242 of 254
2022$2,896+13.6%$2,225246 of 254
2023$3,374+16.5%$2,599244 of 254
2024$3,852+14.2%$3,014241 of 254
2025$4,020+4.4%$3,247238 of 254

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

Claims

Total paid losses, 2025-$4,571,507paid on home claims in the county
Paid losses per policy, 2025
-$7,657
total paid divided by policies

Where the 2025 money went

Wind$531,261 -12%
Water$128,704 -3%
Fire-$5,243,026 0%
Other$11,554 0%
YearTotal paidPer policyWindWaterFireOther
2019$500,592$912$428,863$53,461$18,268$0
2020$314,517$546$213,970$17,430$69,396$13,721
2021$2,402,689$4,052$2,337,659$31,122$716$33,192
2022$953,665$1,625$515,340$56,062$373,282$8,981
2023$855,887$1,486$554,893$96,223$204,623$148
2024$11,844,149$19,940$108,246$66,483$11,433,741$235,679
2025-$4,571,507-$7,657$531,261$128,704-$5,243,026$11,554

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, 202551
Average coverage amount, 2025$356,000
Policies counted, 2025596
YearCompaniesAverage coveragePolicies
201956$249,000549
202059$247,000576
202157$264,000593
202254$283,000587
202354$306,000576
202451$326,000601
202551$356,000596

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 Hemphill 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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