Texas home insurance · County data

Kaufman County

The average Kaufman County homeowner paid $3,058 for insurance in 2025, $1,303 more a year than in 2019.

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$3,058 Average yearly home insurance premium in Kaufman County, 2025. +6.4% from 2024.
Texas has 254 counties Kaufman County45,004 policies · 108 companies · 2025 Average home premium per year $0$1,000$2,000$3,000$4,0002019202020212022202320242025$1,755$1,749$1,824$2,032$2,446$2,873$3,058Kaufman CountyTexas county median Paid claims per policy, per year $0$1,000$2,000$3,000$4,0002019202020212022202320242025$980$904$1,356$1,111$2,178$2,480$1,407About 2× a typical year2024: $2,480 per policy All 254 counties, by 2025 average premium
The county

Here’s Kaufman County

Texas has 254 counties. This is one of them: 45,004 home insurance policies were counted here in 2025, written by 108 companies.

The price

What homeowners pay

The average yearly premium rose from $1,755 in 2019 to $3,058 in 2025, a change of +74.2%.

The dashed line is the median Texas county: $3,247 in 2025. Kaufman County is $189 below it.

The claims

Why it went up

Insurers set prices partly on the claims they expect to pay. In 2024, paid claims reached $2,480 per policy here, about 2 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, Kaufman County ranks 87th 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.

CompareCompare with another county

Pick a Texas county to see its page, or browse all 254.

The dataThe full numbers

Home premiums

Average home premium, 2025
$3,058
per year, policies with wind coverage
Change vs 2024
+6.4%
from $2,873; trend shows each year’s change
Change since 2019
+74.2%
from $1,755
Texas county median, 2025
$3,247
$189 lower here; trend shows the gap by year. A typical county, not weighted by size
Rank among Texas counties
87 of 254
1 = lowest average premium
YearAverage premiumChange vs prior yearTexas county medianRank (1 = lowest)
2019$1,755—$1,91372 of 254
2020$1,749−0.3%$1,91572 of 254
2021$1,824+4.3%$2,03061 of 254
2022$2,032+11.4%$2,22569 of 254
2023$2,446+20.4%$2,59988 of 254
2024$2,873+17.5%$3,01491 of 254
2025$3,058+6.4%$3,24787 of 254

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

Claims

Total paid losses, 2025$63,453,465paid on home claims in the county
Paid losses per policy, 2025
$1,407
total paid divided by policies

Where the 2025 money went

Wind$41,492,463 65%
Water$8,721,906 14%
Fire$10,256,622 16%
Other$2,982,474 5%
YearTotal paidPer policyWindWaterFireOther
2019$27,604,356$980$13,732,032$4,168,024$7,594,107$2,110,193
2020$28,441,776$904$16,494,759$4,392,983$6,403,155$1,150,879
2021$47,847,334$1,356$22,219,221$19,725,827$4,217,410$1,684,876
2022$42,836,469$1,111$24,951,936$9,771,230$5,982,328$2,130,975
2023$87,683,495$2,178$65,400,962$11,151,773$9,718,921$1,411,839
2024$106,750,504$2,480$86,740,777$10,160,578$6,736,029$3,113,120
2025$63,453,465$1,407$41,492,463$8,721,906$10,256,622$2,982,474

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, 2025108
Average coverage amount, 2025$384,000
Policies counted, 202545,004
YearCompaniesAverage coveragePolicies
2019111$254,00028,170
2020116$260,00031,447
2021114$278,00035,288
2022117$315,00038,529
2023112$343,00040,238
2024111$360,00043,047
2025108$384,00045,004

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 Kaufman 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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