Texas home insurance · County data

Loving County

The average Loving County homeowner paid $2,136 for insurance in 2025, $636 more a year than in 2020.

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$2,136 Average yearly home insurance premium in Loving County, 2025. +75.1% from 2024. Based on fewer than 100 policies, so treat it with caution.

Small sample. 2025 figures are based on fewer than 100 policies, so averages can swing a lot from year to year. The state has no 2019 figures for this county, so comparisons start in 2020.

Texas has 254 counties Loving County4 policies · 5 companies · 2025 Average home premium per year $0$1,000$2,000$3,000$4,0002019202020212022202320242025$1,500$1,576$1,573$1,058$1,220$2,136Loving CountyTexas county median Paid claims per policy, per year $0$2,000$4,000$6,000$8,0002019202020212022202320242025$0$0$0$6,608$0$0 All 254 counties, by 2025 average premium
The county

Here’s Loving County

Texas has 254 counties. This is one of them: 4 home insurance policies were counted here in 2025, written by 5 companies.

The price

What homeowners pay

The average yearly premium rose from $1,500 in 2020 to $2,136 in 2025, a change of +42.4%.

The dashed line is the median Texas county: $3,247 in 2025. Loving County is $1,111 below it.

The claims

Why it went up

Insurers set prices partly on the claims they expect to pay. Paid claims here ranged from $0 to $6,608 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, Loving County ranks 5th 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.

This county has fewer than 100 policies, so its place in the ranking can change a lot from year to year.

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Pick a Texas county to see its page, or browse all 254.

The dataThe full numbers

Home premiums

Average home premium, 2025
$2,136
per year, policies with wind coverage
Change vs 2024
+75.1%
from $1,220; trend shows each year’s change
Change since 2020
+42.4%
from $1,500
Texas county median, 2025
$3,247
$1,111 lower here; trend shows the gap by year. A typical county, not weighted by size
Rank among Texas counties
5 of 254
1 = lowest average premium
YearAverage premiumChange vs prior yearTexas county medianRank (1 = lowest)
2019n/a—$1,913n/a
2020*$1,500—$1,91522 of 254
2021*$1,576+5.1%$2,03018 of 254
2022*$1,573−0.2%$2,2254 of 254
2023*$1,058−32.7%$2,5991 of 254
2024*$1,220+15.3%$3,0141 of 254
2025*$2,136+75.1%$3,2475 of 254

* Fewer than 100 policies that year, so the average is less reliable.

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

Claims

Total paid losses, 2025$0paid on home claims in the county
Paid losses per policy, 2025
$0
total paid divided by policies

Where the 2025 money went

Wind$0
Water$0
Fire$0
Other$0
YearTotal paidPer policyWindWaterFireOther
2019n/an/an/an/an/an/a
2020*$0$0$0$0$0$0
2021*$0$0$0$0$0$0
2022*$0$0$0$0$0$0
2023*$13,215$6,608$13,215$0$0$0
2024*$0$0$0$0$0$0
2025*$0$0$0$0$0$0

* Fewer than 100 policies that year, so the average is less reliable.

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, 20255
Average coverage amount, 2025$175,000
Policies counted, 20254
YearCompaniesAverage coveragePolicies
2019n/an/an/a
2020*4$129,0004
2021*3$138,0005
2022*3$143,0005
2023*2$190,0002
2024*2$207,0002
2025*5$175,0004

* Fewer than 100 policies that year, so the average is less reliable.

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 Loving 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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