Texas home insurance · County data

La Salle County

The average La Salle County homeowner paid $2,549 for insurance in 2025, $925 more a year than in 2019.

Scroll for the story

$2,549 Average yearly home insurance premium in La Salle County, 2025. +10.6% from 2024.
Texas has 254 counties La Salle County385 policies · 48 companies · 2025 Average home premium per year $0$1,000$2,000$3,000$4,0002019202020212022202320242025$1,624$1,455$1,704$1,660$1,975$2,304$2,549La Salle CountyTexas county median Paid claims per policy, per year $0$1,000$2,000$3,000$4,0002019202020212022202320242025$117$275$348$852$2,313$563$349About 7× a typical year2023: $2,313 per policy All 254 counties, by 2025 average premium
The county

Here’s La Salle County

Texas has 254 counties. This is one of them: 385 home insurance policies were counted here in 2025, written by 48 companies.

The price

What homeowners pay

The average yearly premium rose from $1,624 in 2019 to $2,549 in 2025, a change of +57.0%.

The dashed line is the median Texas county: $3,247 in 2025. La Salle County is $698 below it.

The claims

Why it went up

Insurers set prices partly on the claims they expect to pay. In 2023, paid claims reached $2,313 per policy here, about 7 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, La Salle County ranks 22nd 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
$2,549
per year, policies with wind coverage
Change vs 2024
+10.6%
from $2,304; trend shows each year’s change
Change since 2019
+57.0%
from $1,624
Texas county median, 2025
$3,247
$698 lower here; trend shows the gap by year. A typical county, not weighted by size
Rank among Texas counties
22 of 254
1 = lowest average premium
YearAverage premiumChange vs prior yearTexas county medianRank (1 = lowest)
2019$1,624—$1,91343 of 254
2020$1,455−10.4%$1,91512 of 254
2021$1,704+17.1%$2,03034 of 254
2022$1,660−2.6%$2,22510 of 254
2023$1,975+19.0%$2,59916 of 254
2024$2,304+16.7%$3,01414 of 254
2025$2,549+10.6%$3,24722 of 254

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

Claims

Total paid losses, 2025$134,872paid on home claims in the county
Paid losses per policy, 2025
$349
total paid divided by policies

Where the 2025 money went

Wind$77,152 57%
Water$27,676 21%
Fire$26,095 19%
Other$3,949 3%
YearTotal paidPer policyWindWaterFireOther
2019$43,081$117$21,508$4,965$4,468$12,140
2020$103,251$275$62,056$279$39,367$1,549
2021$140,553$348$77,431$41,892$18,173$3,057
2022$344,227$852$291,958$44,228$0$8,041
2023$902,005$2,313$444,930$16,301$437,135$3,639
2024$217,308$563$63,432$6,858$147,018$0
2025$134,872$349$77,152$27,676$26,095$3,949

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$238,000
Policies counted, 2025385
YearCompaniesAverage coveragePolicies
201954$171,000368
202057$165,000375
202154$177,000403
202254$190,000404
202353$210,000390
202451$222,000388
202548$238,000385

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 La Salle 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

Talk to a licensed local agent

Leave your details and one licensed Texas insurance agent may reach out. There is nothing to buy here, and we do not quote prices.

  • Your request goes to one licensed Texas agent
  • No cost to you for sending it
  • You can ask us to delete it at any time
What do you want help with?

We’re not an insurance company or agent. We share your request with one licensed Texas insurance agent, who may contact you. Privacy