Texas home insurance · County data

McLennan County

The average McLennan County homeowner paid $3,110 for insurance in 2025, $1,485 more a year than in 2019.

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$3,110 Average yearly home insurance premium in McLennan County, 2025. +9.9% from 2024.
Texas has 254 counties McLennan County47,650 policies · 113 companies · 2025 Average home premium per year $0$1,000$2,000$3,000$4,0002019202020212022202320242025$1,625$1,635$1,739$1,970$2,358$2,831$3,110McLennan CountyTexas county median Paid claims per policy, per year $0$1,000$2,000$3,000$4,0002019202020212022202320242025$605$1,022$1,124$696$2,575$1,103$1,216About 2.4× a typical year2023: $2,575 per policy All 254 counties, by 2025 average premium
The county

Here’s McLennan County

Texas has 254 counties. This is one of them: 47,650 home insurance policies were counted here in 2025, written by 113 companies.

The price

What homeowners pay

The average yearly premium rose from $1,625 in 2019 to $3,110 in 2025, a change of +91.4%.

The dashed line is the median Texas county: $3,247 in 2025. McLennan County is $137 below it.

The claims

Why it went up

Insurers set prices partly on the claims they expect to pay. In 2023, paid claims reached $2,575 per policy here, about 2.4 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, McLennan County ranks 94th 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
$3,110
per year, policies with wind coverage
Change vs 2024
+9.9%
from $2,831; trend shows each year’s change
Change since 2019
+91.4%
from $1,625
Texas county median, 2025
$3,247
$137 lower here; trend shows the gap by year. A typical county, not weighted by size
Rank among Texas counties
94 of 254
1 = lowest average premium
YearAverage premiumChange vs prior yearTexas county medianRank (1 = lowest)
2019$1,625—$1,91344 of 254
2020$1,635+0.6%$1,91546 of 254
2021$1,739+6.4%$2,03039 of 254
2022$1,970+13.3%$2,22554 of 254
2023$2,358+19.7%$2,59965 of 254
2024$2,831+20.1%$3,01484 of 254
2025$3,110+9.9%$3,24794 of 254

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

Claims

Total paid losses, 2025$58,158,077paid on home claims in the county
Paid losses per policy, 2025
$1,216
total paid divided by policies

Where the 2025 money went

Wind$30,687,564 53%
Water$7,404,410 13%
Fire$16,638,628 29%
Other$3,427,475 6%
YearTotal paidPer policyWindWaterFireOther
2019$24,928,226$605$12,471,316$4,921,210$6,475,785$1,059,915
2020$44,143,888$1,022$32,591,478$3,968,815$5,702,260$1,881,335
2021$50,468,651$1,124$23,878,226$16,376,173$8,564,784$1,649,468
2022$32,106,482$696$15,082,634$7,511,040$6,891,446$2,621,362
2023$120,551,495$2,575$92,965,397$8,600,311$16,671,051$2,314,736
2024$52,405,506$1,103$28,202,989$7,851,798$13,122,316$3,228,403
2025$58,158,077$1,216$30,687,564$7,404,410$16,638,628$3,427,475

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, 2025113
Average coverage amount, 2025$366,000
Policies counted, 202547,650
YearCompaniesAverage coveragePolicies
2019112$232,00041,187
2020117$238,00043,178
2021116$261,00044,884
2022117$296,00046,107
2023116$322,00046,784
2024113$340,00047,752
2025113$366,00047,650

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 McLennan 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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