Texas home insurance · County data

Robertson County

The average Robertson County homeowner paid $2,715 for insurance in 2025, $1,264 more a year than in 2019.

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$2,715 Average yearly home insurance premium in Robertson County, 2025. +7.8% from 2024.
Texas has 254 counties Robertson County2,505 policies · 78 companies · 2025 Average home premium per year $0$1,000$2,000$3,000$4,0002019202020212022202320242025$1,451$1,467$1,588$1,797$2,132$2,519$2,715Robertson CountyTexas county median Paid claims per policy, per year $0$1,000$2,000$3,000$4,0002019202020212022202320242025$2,520$620$2,440$1,008$1,101$810$479About 2.8× a typical year2019: $2,520 per policy All 254 counties, by 2025 average premium
The county

Here’s Robertson County

Texas has 254 counties. This is one of them: 2,505 home insurance policies were counted here in 2025, written by 78 companies.

The price

What homeowners pay

The average yearly premium rose from $1,451 in 2019 to $2,715 in 2025, a change of +87.1%.

The dashed line is the median Texas county: $3,247 in 2025. Robertson County is $532 below it.

The claims

Why it went up

Insurers set prices partly on the claims they expect to pay. In 2019, paid claims reached $2,520 per policy here, about 2.8 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, Robertson County ranks 34th 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
$2,715
per year, policies with wind coverage
Change vs 2024
+7.8%
from $2,519; trend shows each year’s change
Change since 2019
+87.1%
from $1,451
Texas county median, 2025
$3,247
$532 lower here; trend shows the gap by year. A typical county, not weighted by size
Rank among Texas counties
34 of 254
1 = lowest average premium
YearAverage premiumChange vs prior yearTexas county medianRank (1 = lowest)
2019$1,451—$1,91313 of 254
2020$1,467+1.1%$1,91514 of 254
2021$1,588+8.2%$2,03020 of 254
2022$1,797+13.2%$2,22527 of 254
2023$2,132+18.6%$2,59930 of 254
2024$2,519+18.2%$3,01428 of 254
2025$2,715+7.8%$3,24734 of 254

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

Claims

Total paid losses, 2025$1,209,125paid on home claims in the county
Paid losses per policy, 2025
$479
total paid divided by policies

Where the 2025 money went

Wind$976,186 81%
Water$74,523 6%
Fire$116,594 10%
Other$41,822 3%
YearTotal paidPer policyWindWaterFireOther
2019$5,053,098$2,520$4,616,558$156,584$202,863$77,093
2020$1,305,028$620$567,090$188,851$183,022$366,065
2021$5,391,621$2,440$3,857,595$724,095$142,581$667,350
2022$2,288,156$1,008$1,773,636$275,451$202,336$36,733
2023$2,579,401$1,101$767,903$832,558$534,706$444,234
2024$1,974,346$810$1,540,245$359,764$37,680$36,657
2025$1,209,125$479$976,186$74,523$116,594$41,822

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, 202578
Average coverage amount, 2025$291,000
Policies counted, 20252,505
YearCompaniesAverage coveragePolicies
201982$175,0002,001
202083$180,0002,098
202186$201,0002,205
202280$228,0002,262
202380$251,0002,332
202478$270,0002,428
202578$291,0002,505

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 Robertson 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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