Texas home insurance · County data

Limestone County

The average Limestone County homeowner paid $2,884 for insurance in 2025, $1,278 more a year than in 2019.

Scroll for the story

$2,884 Average yearly home insurance premium in Limestone County, 2025. +8.9% from 2024.
Texas has 254 counties Limestone County3,214 policies · 74 companies · 2025 Average home premium per year $0$1,000$2,000$3,000$4,0002019202020212022202320242025$1,606$1,611$1,707$1,911$2,258$2,649$2,884Limestone CountyTexas county median Paid claims per policy, per year $0$1,000$2,000$3,000$4,0002019202020212022202320242025$569$425$863$1,117$1,721$1,481$2,239About 2.3× a typical year2025: $2,239 per policy All 254 counties, by 2025 average premium
The county

Here’s Limestone County

Texas has 254 counties. This is one of them: 3,214 home insurance policies were counted here in 2025, written by 74 companies.

The price

What homeowners pay

The average yearly premium rose from $1,606 in 2019 to $2,884 in 2025, a change of +79.6%.

The dashed line is the median Texas county: $3,247 in 2025. Limestone County is $363 below it.

The claims

Why it went up

Insurers set prices partly on the claims they expect to pay. In 2025, paid claims reached $2,239 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, Limestone County ranks 49th 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
$2,884
per year, policies with wind coverage
Change vs 2024
+8.9%
from $2,649; trend shows each year’s change
Change since 2019
+79.6%
from $1,606
Texas county median, 2025
$3,247
$363 lower here; trend shows the gap by year. A typical county, not weighted by size
Rank among Texas counties
49 of 254
1 = lowest average premium
YearAverage premiumChange vs prior yearTexas county medianRank (1 = lowest)
2019$1,606—$1,91339 of 254
2020$1,611+0.3%$1,91538 of 254
2021$1,707+6.0%$2,03035 of 254
2022$1,911+12.0%$2,22544 of 254
2023$2,258+18.2%$2,59945 of 254
2024$2,649+17.3%$3,01448 of 254
2025$2,884+8.9%$3,24749 of 254

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

Claims

Total paid losses, 2025$7,210,841paid on home claims in the county
Paid losses per policy, 2025
$2,239
total paid divided by policies

Where the 2025 money went

Wind$5,100,903 71%
Water$527,815 7%
Fire$1,067,751 15%
Other$514,372 7%
YearTotal paidPer policyWindWaterFireOther
2019$1,466,300$569$818,018$179,609$429,442$39,231
2020$1,163,699$425$705,210$215,085$128,235$115,169
2021$2,489,436$863$795,132$1,282,469$212,621$199,214
2022$3,348,896$1,117$939,858$215,091$1,911,597$282,350
2023$5,296,936$1,721$3,124,563$595,823$1,388,230$188,320
2024$4,602,988$1,481$2,580,135$522,536$1,109,685$390,632
2025$7,210,841$2,239$5,100,903$527,815$1,067,751$514,372

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, 202574
Average coverage amount, 2025$279,000
Policies counted, 20253,214
YearCompaniesAverage coveragePolicies
201990$180,0002,574
202084$183,0002,735
202184$201,0002,880
202282$227,0002,996
202382$245,0003,072
202477$258,0003,114
202574$279,0003,214

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 Limestone 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