Texas home insurance · County data

Medina County

The average Medina County homeowner paid $2,874 for insurance in 2025, $1,153 more a year than in 2019.

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$2,874 Average yearly home insurance premium in Medina County, 2025. +4.1% from 2024.
Texas has 254 counties Medina County8,320 policies · 99 companies · 2025 Average home premium per year $0$1,000$2,000$3,000$4,0002019202020212022202320242025$1,721$1,718$1,853$2,026$2,367$2,761$2,874Medina CountyTexas county median Paid claims per policy, per year $0$2,500$5,000$7,500$10K2019202020212022202320242025$686$533$6,599$1,535$764$814$750About 9× a typical year2021: $6,599 per policy All 254 counties, by 2025 average premium
The county

Here’s Medina County

Texas has 254 counties. This is one of them: 8,320 home insurance policies were counted here in 2025, written by 99 companies.

The price

What homeowners pay

The average yearly premium rose from $1,721 in 2019 to $2,874 in 2025, a change of +67.0%.

The dashed line is the median Texas county: $3,247 in 2025. Medina County is $373 below it.

The claims

Why it went up

Insurers set prices partly on the claims they expect to pay. In 2021, paid claims reached $6,599 per policy here, about 9 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, Medina County ranks 48th 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
$2,874
per year, policies with wind coverage
Change vs 2024
+4.1%
from $2,761; trend shows each year’s change
Change since 2019
+67.0%
from $1,721
Texas county median, 2025
$3,247
$373 lower here; trend shows the gap by year. A typical county, not weighted by size
Rank among Texas counties
48 of 254
1 = lowest average premium
YearAverage premiumChange vs prior yearTexas county medianRank (1 = lowest)
2019$1,721—$1,91364 of 254
2020$1,718−0.2%$1,91565 of 254
2021$1,853+7.9%$2,03068 of 254
2022$2,026+9.3%$2,22567 of 254
2023$2,367+16.8%$2,59968 of 254
2024$2,761+16.6%$3,01468 of 254
2025$2,874+4.1%$3,24748 of 254

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

Claims

Total paid losses, 2025$6,259,412paid on home claims in the county
Paid losses per policy, 2025
$750
total paid divided by policies

Where the 2025 money went

Wind$2,750,230 44%
Water$1,267,835 20%
Fire$1,160,515 19%
Other$1,080,832 17%
YearTotal paidPer policyWindWaterFireOther
2019$4,458,055$686$2,251,110$637,820$961,293$607,832
2020$3,667,078$533$2,479,290$922,043-$63,793$329,538
2021$47,859,180$6,599$43,561,012$2,893,021$770,094$635,053
2022$11,554,373$1,535$7,628,679$1,014,149$2,384,064$527,481
2023$5,970,939$764$2,909,719$1,966,277$776,240$318,703
2024$6,492,541$814$2,765,241$1,543,685$1,638,510$545,105
2025$6,259,412$750$2,750,230$1,267,835$1,160,515$1,080,832

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, 202599
Average coverage amount, 2025$392,000
Policies counted, 20258,320
YearCompaniesAverage coveragePolicies
2019101$243,0006,492
202099$251,0006,872
2021101$278,0007,245
202299$313,0007,515
2023102$342,0007,801
202498$366,0007,972
202599$392,0008,320

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 Medina 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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