Texas home insurance · County data

Hidalgo County

The average Hidalgo County homeowner paid $2,383 for insurance in 2025, $866 more a year than in 2019.

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$2,383 Average yearly home insurance premium in Hidalgo County, 2025. +6.6% from 2024.
Texas has 254 counties Hidalgo County97,352 policies · 110 companies · 2025 Average home premium per year $0$1,000$2,000$3,000$4,0002019202020212022202320242025$1,517$1,501$1,613$1,753$1,980$2,236$2,383Hidalgo CountyTexas county median Paid claims per policy, per year $0$1,000$2,000$3,000$4,0002019202020212022202320242025$362$860$647$556$1,758$808$837About 2.4× a typical year2023: $1,758 per policy All 254 counties, by 2025 average premium
The county

Here’s Hidalgo County

Texas has 254 counties. This is one of them: 97,352 home insurance policies were counted here in 2025, written by 110 companies.

The price

What homeowners pay

The average yearly premium rose from $1,517 in 2019 to $2,383 in 2025, a change of +57.1%.

The dashed line is the median Texas county: $3,247 in 2025. Hidalgo County is $864 below it.

The claims

Why it went up

Insurers set prices partly on the claims they expect to pay. In 2023, paid claims reached $1,758 per policy here, about 2.4 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, Hidalgo County ranks 10th 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
$2,383
per year, policies with wind coverage
Change vs 2024
+6.6%
from $2,236; trend shows each year’s change
Change since 2019
+57.1%
from $1,517
Texas county median, 2025
$3,247
$864 lower here; trend shows the gap by year. A typical county, not weighted by size
Rank among Texas counties
10 of 254
1 = lowest average premium
YearAverage premiumChange vs prior yearTexas county medianRank (1 = lowest)
2019$1,517—$1,91323 of 254
2020$1,501−1.1%$1,91523 of 254
2021$1,613+7.5%$2,03026 of 254
2022$1,753+8.7%$2,22522 of 254
2023$1,980+12.9%$2,59917 of 254
2024$2,236+12.9%$3,01411 of 254
2025$2,383+6.6%$3,24710 of 254

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

Claims

Total paid losses, 2025$81,564,212paid on home claims in the county
Paid losses per policy, 2025
$837
total paid divided by policies

Where the 2025 money went

Wind$52,022,900 64%
Water$11,418,492 14%
Fire$12,379,043 15%
Other$5,743,777 7%
YearTotal paidPer policyWindWaterFireOther
2019$31,493,781$362$14,148,993$9,144,469$5,399,565$2,800,754
2020$79,041,668$860$60,471,842$9,547,419$4,731,109$4,291,298
2021$60,961,375$647$40,114,317$9,839,164$7,733,869$3,274,025
2022$53,306,192$556$30,561,637$10,563,218$8,100,949$4,080,388
2023$166,200,743$1,758$142,217,174$10,352,560$8,619,929$5,011,080
2024$77,751,261$808$52,144,882$10,974,810$10,373,876$4,257,693
2025$81,564,212$837$52,022,900$11,418,492$12,379,043$5,743,777

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, 2025110
Average coverage amount, 2025$300,000
Policies counted, 202597,352
YearCompaniesAverage coveragePolicies
2019105$197,00087,016
2020109$202,00091,786
2021110$218,00094,164
2022112$245,00095,780
2023112$263,00094,505
2024105$278,00096,208
2025110$300,00097,352

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 Hidalgo 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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