Texas home insurance · County data

Houston County

The average Houston County homeowner paid $2,817 for insurance in 2025, $1,225 more a year than in 2019.

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$2,817 Average yearly home insurance premium in Houston County, 2025. +8.0% from 2024.
Texas has 254 counties Houston County3,496 policies · 83 companies · 2025 Average home premium per year $0$1,000$2,000$3,000$4,0002019202020212022202320242025$1,592$1,601$1,692$1,863$2,205$2,608$2,817Houston CountyTexas county median Paid claims per policy, per year $0$1,000$2,000$3,000$4,0002019202020212022202320242025$2,416$614$1,066$1,376$1,230$1,049$561About 2.3× a typical year2019: $2,416 per policy All 254 counties, by 2025 average premium
The county

Here’s Houston County

Texas has 254 counties. This is one of them: 3,496 home insurance policies were counted here in 2025, written by 83 companies.

The price

What homeowners pay

The average yearly premium rose from $1,592 in 2019 to $2,817 in 2025, a change of +76.9%.

The dashed line is the median Texas county: $3,247 in 2025. Houston County is $430 below it.

The claims

Why it went up

Insurers set prices partly on the claims they expect to pay. In 2019, paid claims reached $2,416 per policy here, about 2.3 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, Houston County ranks 42nd 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
$2,817
per year, policies with wind coverage
Change vs 2024
+8.0%
from $2,608; trend shows each year’s change
Change since 2019
+76.9%
from $1,592
Texas county median, 2025
$3,247
$430 lower here; trend shows the gap by year. A typical county, not weighted by size
Rank among Texas counties
42 of 254
1 = lowest average premium
YearAverage premiumChange vs prior yearTexas county medianRank (1 = lowest)
2019$1,592—$1,91335 of 254
2020$1,601+0.6%$1,91536 of 254
2021$1,692+5.7%$2,03032 of 254
2022$1,863+10.1%$2,22535 of 254
2023$2,205+18.4%$2,59939 of 254
2024$2,608+18.3%$3,01444 of 254
2025$2,817+8.0%$3,24742 of 254

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

Claims

Total paid losses, 2025$1,973,199paid on home claims in the county
Paid losses per policy, 2025
$561
total paid divided by policies

Where the 2025 money went

Wind$865,898 44%
Water$566,743 29%
Fire$399,998 20%
Other$140,560 7%
YearTotal paidPer policyWindWaterFireOther
2019$7,297,530$2,416$6,177,915$537,060$475,935$106,620
2020$1,945,909$614$706,984$314,582$540,961$383,382
2021$3,497,227$1,066$774,353$1,710,869$531,327$480,678
2022$4,724,030$1,376$2,835,531$1,042,971$512,720$332,808
2023$4,233,169$1,230$2,415,739$805,897$685,136$326,397
2024$3,623,222$1,049$1,449,858$644,286$750,312$778,766
2025$1,973,199$561$865,898$566,743$399,998$140,560

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, 202583
Average coverage amount, 2025$298,000
Policies counted, 20253,496
YearCompaniesAverage coveragePolicies
201989$191,0003,015
202089$195,0003,161
202191$209,0003,275
202290$236,0003,421
202385$260,0003,429
202480$273,0003,458
202583$298,0003,496

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 Houston 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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