Texas home insurance · County data

Nueces County

The average Nueces County homeowner paid $3,285 for insurance in 2025, $778 more a year than in 2019.

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$3,285 Average yearly home insurance premium in Nueces County, 2025. +3.7% from 2024.
Texas has 254 counties Nueces County28,734 policies · 97 companies · 2025 Average home premium per year $0$1,000$2,000$3,000$4,0002019202020212022202320242025$2,507$2,413$2,524$2,654$2,803$3,168$3,285Nueces CountyTexas county median Paid claims per policy, per year $0$100$200$300$4002019202020212022202320242025$353$277$312$245$278$257$293 All 254 counties, by 2025 average premium
The county

Here’s Nueces County

Texas has 254 counties. This is one of them: 28,734 home insurance policies were counted here in 2025, written by 97 companies.

The price

What homeowners pay

The average yearly premium rose from $2,507 in 2019 to $3,285 in 2025, a change of +31.0%.

The dashed line is the median Texas county: $3,247 in 2025. Nueces County is $38 above it.

The claims

Why it went up

Insurers set prices partly on the claims they expect to pay. Paid claims here ranged from $245 to $353 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, Nueces County ranks 139th 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
$3,285
per year, policies with wind coverage
Change vs 2024
+3.7%
from $3,168; trend shows each year’s change
Change since 2019
+31.0%
from $2,507
Texas county median, 2025
$3,247
$38 higher here; trend shows the gap by year. A typical county, not weighted by size
Rank among Texas counties
139 of 254
1 = lowest average premium
Average premium without wind coverage, 2025$1,198
Average Texas Windstorm Insurance Association premium, 2025$2,463
YearAverage premiumChange vs prior yearTexas county medianRank (1 = lowest)
2019$2,507—$1,913242 of 254
2020$2,413−3.7%$1,915243 of 254
2021$2,524+4.6%$2,030239 of 254
2022$2,654+5.2%$2,225225 of 254
2023$2,803+5.6%$2,599189 of 254
2024$3,168+13.0%$3,014168 of 254
2025$3,285+3.7%$3,247139 of 254

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

Claims

Total paid losses, 2025$19,015,796paid on home claims in the county
Paid losses per policy, 2025
$293
total paid divided by policies

Where the 2025 money went

Wind$1,173,462 6%
Water$5,038,657 26%
Fire$9,805,237 52%
Other$2,998,440 16%
YearTotal paidPer policyWindWaterFireOther
2019$20,443,629$353$10,613,120$4,808,914$3,673,491$1,348,104
2020$16,672,136$277$6,741,311$3,470,389$5,061,907$1,398,529
2021$19,302,912$312$2,206,314$8,197,058$5,802,649$3,096,891
2022$15,639,598$245$1,473,068$4,675,033$7,962,566$1,528,931
2023$17,899,929$278$1,203,040$4,747,383$10,335,743$1,613,763
2024$16,671,056$257$799,557$4,901,084$8,401,274$2,569,141
2025$19,015,796$293$1,173,462$5,038,657$9,805,237$2,998,440

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, 202597
Average coverage amount, 2025$339,000
Policies counted, 202528,734
YearCompaniesAverage coveragePoliciesAvg premium, no windAvg TWIA premium
2019100$232,00021,716$833$1,632
2020105$241,00025,799$827$1,644
2021108$264,00028,458$838$1,691
2022110$291,00030,295$882$1,952
2023100$308,00030,483$948$2,206
202497$321,00029,292$1,083$2,323
202597$339,00028,734$1,198$2,463

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 Nueces 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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