Texas home insurance · County data

Matagorda County

The average Matagorda County homeowner paid $4,178 for insurance in 2025, $1,320 more a year than in 2019.

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$4,178 Average yearly home insurance premium in Matagorda County, 2025. +7.4% from 2024.
Texas has 254 counties Matagorda County1,986 policies · 84 companies · 2025 Average home premium per year $0$2,000$4,000$6,000$8,0002019202020212022202320242025$2,858$2,836$3,045$3,243$3,417$3,891$4,178Matagorda CountyTexas county median Paid claims per policy, per year $0$200$400$600$8002019202020212022202320242025$279$313$555$526$346$633$557 All 254 counties, by 2025 average premium
The county

Here’s Matagorda County

Texas has 254 counties. This is one of them: 1,986 home insurance policies were counted here in 2025, written by 84 companies.

The price

What homeowners pay

The average yearly premium rose from $2,858 in 2019 to $4,178 in 2025, a change of +46.2%.

The dashed line is the median Texas county: $3,247 in 2025. Matagorda County is $931 above it.

The claims

Why it went up

Insurers set prices partly on the claims they expect to pay. Paid claims here ranged from $279 to $633 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, Matagorda County ranks 245th 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
$4,178
per year, policies with wind coverage
Change vs 2024
+7.4%
from $3,891; trend shows each year’s change
Change since 2019
+46.2%
from $2,858
Texas county median, 2025
$3,247
$931 higher here; trend shows the gap by year. A typical county, not weighted by size
Rank among Texas counties
245 of 254
1 = lowest average premium
Average premium without wind coverage, 2025$1,394
Average Texas Windstorm Insurance Association premium, 2025$2,382
YearAverage premiumChange vs prior yearTexas county medianRank (1 = lowest)
2019$2,858—$1,913249 of 254
2020$2,836−0.8%$1,915252 of 254
2021$3,045+7.4%$2,030251 of 254
2022$3,243+6.5%$2,225250 of 254
2023$3,417+5.4%$2,599245 of 254
2024$3,891+13.9%$3,014243 of 254
2025$4,178+7.4%$3,247245 of 254

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

Claims

Total paid losses, 2025$4,060,959paid on home claims in the county
Paid losses per policy, 2025
$557
total paid divided by policies

Where the 2025 money went

Wind$482,007 12%
Water$1,588,702 39%
Fire$1,325,810 33%
Other$664,440 16%
YearTotal paidPer policyWindWaterFireOther
2019$1,760,159$279$392,575$657,699$561,579$148,306
2020$2,050,757$313$109,760$1,056,656$810,277$74,064
2021$3,787,948$555$684,395$2,614,532$302,452$186,569
2022$3,675,697$526$488,277$1,256,942$1,385,572$544,906
2023$2,472,488$346$292,623$1,366,599$660,783$152,483
2024$4,584,985$633$1,865,008$1,122,793$1,393,221$203,963
2025$4,060,959$557$482,007$1,588,702$1,325,810$664,440

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, 202584
Average coverage amount, 2025$280,000
Policies counted, 20251,986
YearCompaniesAverage coveragePoliciesAvg premium, no windAvg TWIA premium
201990$202,0002,241$964$1,588
202093$206,0002,519$948$1,603
202192$222,0002,547$959$1,646
202297$241,0002,495$989$1,879
202388$258,0002,315$1,088$2,051
202480$267,0002,119$1,288$2,216
202584$280,0001,986$1,394$2,382

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 Matagorda 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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