Texas home insurance · County data

Jefferson County

The average Jefferson County homeowner paid $4,010 for insurance in 2025, $1,232 more a year than in 2019.

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$4,010 Average yearly home insurance premium in Jefferson County, 2025. +0.1% from 2024.
Texas has 254 counties Jefferson County13,242 policies · 105 companies · 2025 Average home premium per year $0$2,000$4,000$6,000$8,0002019202020212022202320242025$2,778$2,791$3,009$3,265$3,587$4,005$4,010Jefferson CountyTexas county median Paid claims per policy, per year $0$250$500$750$1,0002019202020212022202320242025$430$775$943$507$721$574$455 All 254 counties, by 2025 average premium
The county

Here’s Jefferson County

Texas has 254 counties. This is one of them: 13,242 home insurance policies were counted here in 2025, written by 105 companies.

The price

What homeowners pay

The average yearly premium rose from $2,778 in 2019 to $4,010 in 2025, a change of +44.3%.

The dashed line is the median Texas county: $3,247 in 2025. Jefferson County is $763 above it.

The claims

Why it went up

Insurers set prices partly on the claims they expect to pay. Paid claims here ranged from $430 to $943 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, Jefferson County ranks 236th 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
$4,010
per year, policies with wind coverage
Change vs 2024
+0.1%
from $4,005; trend shows each year’s change
Change since 2019
+44.3%
from $2,778
Texas county median, 2025
$3,247
$763 higher here; trend shows the gap by year. A typical county, not weighted by size
Rank among Texas counties
236 of 254
1 = lowest average premium
Average premium without wind coverage, 2025$1,417
Average Texas Windstorm Insurance Association premium, 2025$2,422
YearAverage premiumChange vs prior yearTexas county medianRank (1 = lowest)
2019$2,778—$1,913248 of 254
2020$2,791+0.5%$1,915250 of 254
2021$3,009+7.8%$2,030250 of 254
2022$3,265+8.5%$2,225251 of 254
2023$3,587+9.9%$2,599249 of 254
2024$4,005+11.7%$3,014245 of 254
2025$4,010+0.1%$3,247236 of 254

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

Claims

Total paid losses, 2025$19,789,952paid on home claims in the county
Paid losses per policy, 2025
$455
total paid divided by policies

Where the 2025 money went

Wind$3,492,352 18%
Water$5,273,929 27%
Fire$9,128,964 46%
Other$1,894,707 10%
YearTotal paidPer policyWindWaterFireOther
2019$18,476,592$430$4,823,444$5,438,872$4,935,134$3,279,142
2020$33,894,487$775$11,988,859$5,772,086$8,253,480$7,880,062
2021$41,705,606$943$6,680,897$20,750,985$10,076,298$4,197,426
2022$22,644,449$507$2,981,921$8,346,976$8,236,970$3,078,582
2023$32,003,730$721$5,357,904$8,773,788$13,840,008$4,032,030
2024$25,245,794$574$10,177,738$5,196,378$8,028,720$1,842,958
2025$19,789,952$455$3,492,352$5,273,929$9,128,964$1,894,707

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, 2025105
Average coverage amount, 2025$358,000
Policies counted, 202513,242
YearCompaniesAverage coveragePoliciesAvg premium, no windAvg TWIA premium
2019103$268,00014,357$931$1,569
2020112$270,00015,994$975$1,578
2021109$286,00016,997$1,014$1,619
2022113$311,00017,026$1,072$1,907
2023106$331,00015,769$1,171$2,094
2024102$344,00014,749$1,316$2,241
2025105$358,00013,242$1,417$2,422

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 Jefferson 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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