Texas home insurance · County data

Liberty County

The average Liberty County homeowner paid $3,219 for insurance in 2025, $1,059 more a year than in 2019.

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$3,219 Average yearly home insurance premium in Liberty County, 2025. +6.8% from 2024.
Texas has 254 counties Liberty County15,500 policies · 104 companies · 2025 Average home premium per year $0$1,000$2,000$3,000$4,0002019202020212022202320242025$2,160$2,149$2,220$2,346$2,664$3,015$3,219Liberty CountyTexas county median Paid claims per policy, per year $0$500$1,000$1,500$2,0002019202020212022202320242025$677$420$668$553$577$1,403$718About 2.3× a typical year2024: $1,403 per policy All 254 counties, by 2025 average premium
The county

Here’s Liberty County

Texas has 254 counties. This is one of them: 15,500 home insurance policies were counted here in 2025, written by 104 companies.

The price

What homeowners pay

The average yearly premium rose from $2,160 in 2019 to $3,219 in 2025, a change of +49.0%.

The dashed line is the median Texas county: $3,247 in 2025. Liberty County is $28 below it.

The claims

Why it went up

Insurers set prices partly on the claims they expect to pay. In 2024, paid claims reached $1,403 per policy here, about 2.3 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, Liberty County ranks 119th 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
$3,219
per year, policies with wind coverage
Change vs 2024
+6.8%
from $3,015; trend shows each year’s change
Change since 2019
+49.0%
from $2,160
Texas county median, 2025
$3,247
$28 lower here; trend shows the gap by year. A typical county, not weighted by size
Rank among Texas counties
119 of 254
1 = lowest average premium
YearAverage premiumChange vs prior yearTexas county medianRank (1 = lowest)
2019$2,160—$1,913210 of 254
2020$2,149−0.5%$1,915206 of 254
2021$2,220+3.3%$2,030195 of 254
2022$2,346+5.7%$2,225166 of 254
2023$2,664+13.6%$2,599148 of 254
2024$3,015+13.2%$3,014128 of 254
2025$3,219+6.8%$3,247119 of 254

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

Claims

Total paid losses, 2025$11,807,452paid on home claims in the county
Paid losses per policy, 2025
$718
total paid divided by policies

Where the 2025 money went

Wind$3,828,931 32%
Water$1,688,507 14%
Fire$5,163,327 44%
Other$1,126,687 10%
YearTotal paidPer policyWindWaterFireOther
2019$7,855,504$677$2,920,748$1,178,889$2,763,657$992,210
2020$5,433,309$420$1,567,267$1,151,264$2,089,845$624,933
2021$9,413,463$668$1,879,843$5,061,901$1,942,244$529,475
2022$8,397,031$553$1,691,260$1,515,573$4,037,934$1,152,264
2023$8,996,610$577$2,550,564$1,730,122$3,849,661$866,263
2024$22,514,785$1,403$13,096,823$1,666,500$5,854,613$1,896,849
2025$11,807,452$718$3,828,931$1,688,507$5,163,327$1,126,687

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, 2025104
Average coverage amount, 2025$275,000
Policies counted, 202515,500
YearCompaniesAverage coveragePolicies
2019101$183,00011,262
2020103$186,00012,617
2021108$200,00013,775
2022113$223,00014,857
2023106$243,00015,142
2024101$256,00015,396
2025104$275,00015,500

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 Liberty 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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