Texas home insurance · County data

Live Oak County

The average Live Oak County homeowner paid $3,156 for insurance in 2025, $1,257 more a year than in 2019.

Scroll for the story

$3,156 Average yearly home insurance premium in Live Oak County, 2025. +12.5% from 2024.
Texas has 254 counties Live Oak County817 policies · 63 companies · 2025 Average home premium per year $0$1,000$2,000$3,000$4,0002019202020212022202320242025$1,899$1,842$1,970$2,136$2,432$2,805$3,156Live Oak CountyTexas county median Paid claims per policy, per year $0$200$400$600$8002019202020212022202320242025$634$383$292$167$147$445$345 All 254 counties, by 2025 average premium
The county

Here’s Live Oak County

Texas has 254 counties. This is one of them: 817 home insurance policies were counted here in 2025, written by 63 companies.

The price

What homeowners pay

The average yearly premium rose from $1,899 in 2019 to $3,156 in 2025, a change of +66.2%.

The dashed line is the median Texas county: $3,247 in 2025. Live Oak County is $91 below it.

The claims

Why it went up

Insurers set prices partly on the claims they expect to pay. Paid claims here ranged from $147 to $634 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, Live Oak County ranks 107th 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
$3,156
per year, policies with wind coverage
Change vs 2024
+12.5%
from $2,805; trend shows each year’s change
Change since 2019
+66.2%
from $1,899
Texas county median, 2025
$3,247
$91 lower here; trend shows the gap by year. A typical county, not weighted by size
Rank among Texas counties
107 of 254
1 = lowest average premium
YearAverage premiumChange vs prior yearTexas county medianRank (1 = lowest)
2019$1,899—$1,913124 of 254
2020$1,842−3.0%$1,915105 of 254
2021$1,970+6.9%$2,030108 of 254
2022$2,136+8.4%$2,22598 of 254
2023$2,432+13.9%$2,59986 of 254
2024$2,805+15.3%$3,01478 of 254
2025$3,156+12.5%$3,247107 of 254

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

Claims

Total paid losses, 2025$284,024paid on home claims in the county
Paid losses per policy, 2025
$345
total paid divided by policies

Where the 2025 money went

Wind$62,048 22%
Water$125,814 44%
Fire$66,174 23%
Other$29,988 11%
YearTotal paidPer policyWindWaterFireOther
2019$412,288$634$98,820$14,419$297,153$1,896
2020$265,566$383$31,813$116,268$102,953$14,532
2021$214,592$292$18,186$177,221$1,834$17,351
2022$124,751$167$32,194$65,175$20,881$6,501
2023$112,757$147$59,867$30,281$0$22,609
2024$370,414$445$182,220$5,290$179,612$3,292
2025$284,024$345$62,048$125,814$66,174$29,988

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, 202563
Average coverage amount, 2025$289,000
Policies counted, 2025817
YearCompaniesAverage coveragePolicies
201960$188,000647
202059$184,000693
202163$205,000732
202265$232,000744
202363$249,000766
202463$266,000828
202563$289,000817

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 Live Oak 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