Texas home insurance · County data

Lavaca County

The average Lavaca County homeowner paid $3,136 for insurance in 2025, $1,379 more a year than in 2019.

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$3,136 Average yearly home insurance premium in Lavaca County, 2025. +9.3% from 2024.
Texas has 254 counties Lavaca County1,563 policies · 73 companies · 2025 Average home premium per year $0$1,000$2,000$3,000$4,0002019202020212022202320242025$1,757$1,790$1,922$2,113$2,480$2,868$3,136Lavaca CountyTexas county median Paid claims per policy, per year $0$100$200$300$4002019202020212022202320242025$118$205$266$373$271$372$292 All 254 counties, by 2025 average premium
The county

Here’s Lavaca County

Texas has 254 counties. This is one of them: 1,563 home insurance policies were counted here in 2025, written by 73 companies.

The price

What homeowners pay

The average yearly premium rose from $1,757 in 2019 to $3,136 in 2025, a change of +78.5%.

The dashed line is the median Texas county: $3,247 in 2025. Lavaca County is $111 below it.

The claims

Why it went up

Insurers set prices partly on the claims they expect to pay. Paid claims here ranged from $118 to $373 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, Lavaca County ranks 100th 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
$3,136
per year, policies with wind coverage
Change vs 2024
+9.3%
from $2,868; trend shows each year’s change
Change since 2019
+78.5%
from $1,757
Texas county median, 2025
$3,247
$111 lower here; trend shows the gap by year. A typical county, not weighted by size
Rank among Texas counties
100 of 254
1 = lowest average premium
YearAverage premiumChange vs prior yearTexas county medianRank (1 = lowest)
2019$1,757—$1,91374 of 254
2020$1,790+1.9%$1,91589 of 254
2021$1,922+7.4%$2,03099 of 254
2022$2,113+9.9%$2,22594 of 254
2023$2,480+17.4%$2,59992 of 254
2024$2,868+15.6%$3,01489 of 254
2025$3,136+9.3%$3,247100 of 254

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

Claims

Total paid losses, 2025$463,362paid on home claims in the county
Paid losses per policy, 2025
$292
total paid divided by policies

Where the 2025 money went

Wind$359,973 78%
Water$23,414 5%
Fire$52,070 11%
Other$27,905 6%
YearTotal paidPer policyWindWaterFireOther
2019$138,917$118$61,666$38,809$47$38,395
2020$252,066$205$85,871$60,484$0$105,711
2021$346,362$266$167,171$107,141$34,838$37,212
2022$500,425$373$82,460$131,229$272,569$14,167
2023$380,802$271$150,080$160,724$60,506$9,492
2024$559,397$372$388,586$134,364$11,810$24,637
2025$463,362$292$359,973$23,414$52,070$27,905

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, 202573
Average coverage amount, 2025$334,000
Policies counted, 20251,563
YearCompaniesAverage coveragePolicies
201972$207,0001,164
202073$214,0001,221
202175$234,0001,291
202274$261,0001,332
202371$287,0001,401
202469$313,0001,493
202573$334,0001,563

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 Lavaca 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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