Texas home insurance · County data

Kent County

The average Kent County homeowner paid $3,122 for insurance in 2025, $1,070 more a year than in 2019.

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$3,122 Average yearly home insurance premium in Kent County, 2025. +2.3% from 2024. Based on fewer than 100 policies, so treat it with caution.

Small sample. 2025 figures are based on fewer than 100 policies, so averages can swing a lot from year to year.

Texas has 254 counties Kent County95 policies · 23 companies · 2025 Average home premium per year $0$1,000$2,000$3,000$4,0002019202020212022202320242025$2,052$2,082$2,183$2,436$2,815$3,051$3,122Kent CountyTexas county median Paid claims per policy, per year $0$5,000$10K$15K$20K2019202020212022202320242025$1,168$256$695$114$14,631$1,290$1,626About 16× a typical year2023: $14,631 per policy All 254 counties, by 2025 average premium
The county

Here’s Kent County

Texas has 254 counties. This is one of them: 95 home insurance policies were counted here in 2025, written by 23 companies.

The price

What homeowners pay

The average yearly premium rose from $2,052 in 2019 to $3,122 in 2025, a change of +52.1%.

The dashed line is the median Texas county: $3,247 in 2025. Kent County is $125 below it.

The claims

Why it went up

Insurers set prices partly on the claims they expect to pay. In 2023, paid claims reached $14,631 per policy here, about 16 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, Kent County ranks 96th 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.

This county has fewer than 100 policies, so its place in the ranking can change a lot from year to year.

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

The dataThe full numbers

Home premiums

Average home premium, 2025
$3,122
per year, policies with wind coverage
Change vs 2024
+2.3%
from $3,051; trend shows each year’s change
Change since 2019
+52.1%
from $2,052
Texas county median, 2025
$3,247
$125 lower here; trend shows the gap by year. A typical county, not weighted by size
Rank among Texas counties
96 of 254
1 = lowest average premium
YearAverage premiumChange vs prior yearTexas county medianRank (1 = lowest)
2019*$2,052—$1,913175 of 254
2020*$2,082+1.5%$1,915188 of 254
2021*$2,183+4.9%$2,030183 of 254
2022*$2,436+11.6%$2,225196 of 254
2023*$2,815+15.6%$2,599193 of 254
2024*$3,051+8.4%$3,014133 of 254
2025*$3,122+2.3%$3,24796 of 254

* Fewer than 100 policies that year, so the average is less reliable.

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

Claims

Total paid losses, 2025$154,489paid on home claims in the county
Paid losses per policy, 2025
$1,626
total paid divided by policies

Where the 2025 money went

Wind$152,182 99%
Water$2,307 1%
Fire$0 0%
Other$0 0%
YearTotal paidPer policyWindWaterFireOther
2019*$88,752$1,168$82,831$0$0$5,921
2020*$21,516$256$21,516$0$0$0
2021*$60,459$695$25,170$25,369$0$9,920
2022*$10,375$114$0$10,375$0$0
2023*$1,360,660$14,631$1,357,580$0$0$3,080
2024*$125,110$1,290$108,770$11,052$5,288$0
2025*$154,489$1,626$152,182$2,307$0$0

* Fewer than 100 policies that year, so the average is less reliable.

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, 202523
Average coverage amount, 2025$242,000
Policies counted, 202595
YearCompaniesAverage coveragePolicies
2019*23$163,00076
2020*25$164,00084
2021*26$170,00087
2022*30$189,00090
2023*28$213,00093
2024*24$223,00099
2025*23$242,00095

* Fewer than 100 policies that year, so the average is less reliable.

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 Kent 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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