Texas home insurance · County data

Hutchinson County

The average Hutchinson County homeowner paid $3,381 for insurance in 2025, $1,325 more a year than in 2019.

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$3,381 Average yearly home insurance premium in Hutchinson County, 2025. +4.4% from 2024.
Texas has 254 counties Hutchinson County4,217 policies · 77 companies · 2025 Average home premium per year $0$1,000$2,000$3,000$4,0002019202020212022202320242025$2,056$2,071$2,195$2,423$2,786$3,240$3,381Hutchinson CountyTexas county median Paid claims per policy, per year $0$2,500$5,000$7,500$10K2019202020212022202320242025$2,689$783$979$2,207$5,132$6,264$815About 4× a typical year2024: $6,264 per policy All 254 counties, by 2025 average premium
The county

Here’s Hutchinson County

Texas has 254 counties. This is one of them: 4,217 home insurance policies were counted here in 2025, written by 77 companies.

The price

What homeowners pay

The average yearly premium rose from $2,056 in 2019 to $3,381 in 2025, a change of +64.4%.

The dashed line is the median Texas county: $3,247 in 2025. Hutchinson County is $134 above it.

The claims

Why it went up

Insurers set prices partly on the claims they expect to pay. In 2024, paid claims reached $6,264 per policy here, about 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, Hutchinson County ranks 162nd 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
$3,381
per year, policies with wind coverage
Change vs 2024
+4.4%
from $3,240; trend shows each year’s change
Change since 2019
+64.4%
from $2,056
Texas county median, 2025
$3,247
$134 higher here; trend shows the gap by year. A typical county, not weighted by size
Rank among Texas counties
162 of 254
1 = lowest average premium
YearAverage premiumChange vs prior yearTexas county medianRank (1 = lowest)
2019$2,056—$1,913177 of 254
2020$2,071+0.7%$1,915183 of 254
2021$2,195+6.0%$2,030186 of 254
2022$2,423+10.4%$2,225192 of 254
2023$2,786+15.0%$2,599184 of 254
2024$3,240+16.3%$3,014186 of 254
2025$3,381+4.4%$3,247162 of 254

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

Claims

Total paid losses, 2025$3,447,518paid on home claims in the county
Paid losses per policy, 2025
$815
total paid divided by policies

Where the 2025 money went

Wind$2,769,336 80%
Water$292,839 8%
Fire$295,656 9%
Other$89,687 3%
YearTotal paidPer policyWindWaterFireOther
2019$10,181,457$2,689$9,587,650$263,775$78,028$252,004
2020$3,127,595$783$2,347,547$277,214$311,339$191,495
2021$3,992,093$979$2,535,150$509,455$814,289$133,199
2022$9,275,107$2,207$6,967,179$481,494$1,682,716$143,718
2023$21,660,858$5,132$20,276,773$470,033$832,666$81,386
2024$26,521,229$6,264$6,625,799$486,820$19,187,096$221,514
2025$3,447,518$815$2,769,336$292,839$295,656$89,687

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, 202577
Average coverage amount, 2025$276,000
Policies counted, 20254,217
YearCompaniesAverage coveragePolicies
201978$187,0003,785
202082$191,0003,994
202182$207,0004,077
202279$232,0004,199
202380$247,0004,218
202471$258,0004,270
202577$276,0004,217

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 Hutchinson 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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