Texas home insurance · County data

Kinney County

The average Kinney County homeowner paid $2,383 for insurance in 2025, $916 more a year than in 2019.

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$2,383 Average yearly home insurance premium in Kinney County, 2025. +3.1% from 2024.
Texas has 254 counties Kinney County566 policies · 48 companies · 2025 Average home premium per year $0$1,000$2,000$3,000$4,0002019202020212022202320242025$1,467$1,527$1,605$1,705$1,934$2,311$2,383Kinney CountyTexas county median Paid claims per policy, per year $0$2,500$5,000$7,500$10K2019202020212022202320242025$6,746$542$4,334$897$284$259$312About 16× a typical year2019: $6,746 per policy All 254 counties, by 2025 average premium
The county

Here’s Kinney County

Texas has 254 counties. This is one of them: 566 home insurance policies were counted here in 2025, written by 48 companies.

The price

What homeowners pay

The average yearly premium rose from $1,467 in 2019 to $2,383 in 2025, a change of +62.4%.

The dashed line is the median Texas county: $3,247 in 2025. Kinney County is $864 below it.

The claims

Why it went up

Insurers set prices partly on the claims they expect to pay. In 2019, paid claims reached $6,746 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, Kinney County ranks 10th 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
$2,383
per year, policies with wind coverage
Change vs 2024
+3.1%
from $2,311; trend shows each year’s change
Change since 2019
+62.4%
from $1,467
Texas county median, 2025
$3,247
$864 lower here; trend shows the gap by year. A typical county, not weighted by size
Rank among Texas counties
10 of 254
1 = lowest average premium
YearAverage premiumChange vs prior yearTexas county medianRank (1 = lowest)
2019$1,467—$1,91318 of 254
2020$1,527+4.1%$1,91529 of 254
2021$1,605+5.1%$2,03023 of 254
2022$1,705+6.2%$2,22515 of 254
2023$1,934+13.4%$2,59911 of 254
2024$2,311+19.5%$3,01416 of 254
2025$2,383+3.1%$3,24710 of 254

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

Claims

Total paid losses, 2025$177,190paid on home claims in the county
Paid losses per policy, 2025
$312
total paid divided by policies

Where the 2025 money went

Wind$133,665 75%
Water$27,643 16%
Fire$15,882 9%
Other$0 0%
YearTotal paidPer policyWindWaterFireOther
2019$3,575,642$6,746$3,405,603$20,717$141,591$7,731
2020$304,233$542$253,630$40,050$8,916$1,637
2021$2,504,821$4,334$1,936,359$134,678$419,624$14,160
2022$534,387$897$461,810$19,961$27,274$25,342
2023$169,159$284$71,623$86,963$0$10,573
2024$150,030$259$28,161$25,423$48,946$47,500
2025$177,190$312$133,665$27,643$15,882$0

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, 202548
Average coverage amount, 2025$286,000
Policies counted, 2025566
YearCompaniesAverage coveragePolicies
201953$194,000529
202052$200,000560
202154$221,000577
202253$249,000595
202351$263,000593
202450$270,000578
202548$286,000566

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 Kinney 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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