Texas home insurance · County data

Rains County

The average Rains County homeowner paid $3,322 for insurance in 2025, $1,388 more a year than in 2019.

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$3,322 Average yearly home insurance premium in Rains County, 2025. +5.6% from 2024.
Texas has 254 counties Rains County2,539 policies · 69 companies · 2025 Average home premium per year $0$1,000$2,000$3,000$4,0002019202020212022202320242025$1,934$1,931$2,027$2,241$2,659$3,145$3,322Rains CountyTexas county median Paid claims per policy, per year $0$1,000$2,000$3,000$4,0002019202020212022202320242025$869$959$1,341$1,002$2,048$1,093$1,325 All 254 counties, by 2025 average premium
The county

Here’s Rains County

Texas has 254 counties. This is one of them: 2,539 home insurance policies were counted here in 2025, written by 69 companies.

The price

What homeowners pay

The average yearly premium rose from $1,934 in 2019 to $3,322 in 2025, a change of +71.8%.

The dashed line is the median Texas county: $3,247 in 2025. Rains County is $75 above it.

The claims

Why it went up

Insurers set prices partly on the claims they expect to pay. Paid claims here ranged from $869 to $2,048 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, Rains County ranks 147th 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
$3,322
per year, policies with wind coverage
Change vs 2024
+5.6%
from $3,145; trend shows each year’s change
Change since 2019
+71.8%
from $1,934
Texas county median, 2025
$3,247
$75 higher here; trend shows the gap by year. A typical county, not weighted by size
Rank among Texas counties
147 of 254
1 = lowest average premium
YearAverage premiumChange vs prior yearTexas county medianRank (1 = lowest)
2019$1,934—$1,913133 of 254
2020$1,931−0.2%$1,915133 of 254
2021$2,027+5.0%$2,030127 of 254
2022$2,241+10.6%$2,225132 of 254
2023$2,659+18.7%$2,599145 of 254
2024$3,145+18.3%$3,014159 of 254
2025$3,322+5.6%$3,247147 of 254

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

Claims

Total paid losses, 2025$3,365,048paid on home claims in the county
Paid losses per policy, 2025
$1,325
total paid divided by policies

Where the 2025 money went

Wind$2,023,397 60%
Water$340,140 10%
Fire$878,897 26%
Other$122,614 4%
YearTotal paidPer policyWindWaterFireOther
2019$1,713,777$869$1,181,821$237,478$246,387$48,091
2020$2,039,957$959$1,015,477$206,853$796,418$21,209
2021$2,982,745$1,341$1,113,553$880,470$875,521$113,201
2022$2,305,252$1,002$926,376$365,655$862,418$150,803
2023$4,860,964$2,048$2,666,732$619,902$902,888$671,442
2024$2,671,878$1,093$1,329,683$315,213$1,016,051$10,931
2025$3,365,048$1,325$2,023,397$340,140$878,897$122,614

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, 202569
Average coverage amount, 2025$334,000
Policies counted, 20252,539
YearCompaniesAverage coveragePolicies
201980$213,0001,973
202079$223,0002,128
202177$241,0002,224
202276$272,0002,301
202372$296,0002,372
202472$315,0002,442
202569$334,0002,539

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 Rains 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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