Texas home insurance · County data

San Jacinto County

The average San Jacinto County homeowner paid $3,151 for insurance in 2025, $1,192 more a year than in 2019.

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$3,151 Average yearly home insurance premium in San Jacinto County, 2025. +6.9% from 2024.
Texas has 254 counties San Jacinto County6,571 policies · 97 companies · 2025 Average home premium per year $0$1,000$2,000$3,000$4,0002019202020212022202320242025$1,959$1,978$2,032$2,208$2,558$2,947$3,151San Jacinto CountyTexas county median Paid claims per policy, per year $0$1,000$2,000$3,000$4,0002019202020212022202320242025$363$581$896$993$670$1,825$597About 2.9× a typical year2024: $1,825 per policy All 254 counties, by 2025 average premium
The county

Here’s San Jacinto County

Texas has 254 counties. This is one of them: 6,571 home insurance policies were counted here in 2025, written by 97 companies.

The price

What homeowners pay

The average yearly premium rose from $1,959 in 2019 to $3,151 in 2025, a change of +60.8%.

The dashed line is the median Texas county: $3,247 in 2025. San Jacinto County is $96 below it.

The claims

Why it went up

Insurers set prices partly on the claims they expect to pay. In 2024, paid claims reached $1,825 per policy here, about 2.9 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, San Jacinto County ranks 104th 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
$3,151
per year, policies with wind coverage
Change vs 2024
+6.9%
from $2,947; trend shows each year’s change
Change since 2019
+60.8%
from $1,959
Texas county median, 2025
$3,247
$96 lower here; trend shows the gap by year. A typical county, not weighted by size
Rank among Texas counties
104 of 254
1 = lowest average premium
YearAverage premiumChange vs prior yearTexas county medianRank (1 = lowest)
2019$1,959—$1,913142 of 254
2020$1,978+1.0%$1,915150 of 254
2021$2,032+2.7%$2,030128 of 254
2022$2,208+8.7%$2,225121 of 254
2023$2,558+15.9%$2,599112 of 254
2024$2,947+15.2%$3,014108 of 254
2025$3,151+6.9%$3,247104 of 254

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

Claims

Total paid losses, 2025$4,002,109paid on home claims in the county
Paid losses per policy, 2025
$597
total paid divided by policies

Where the 2025 money went

Wind$1,850,193 46%
Water$646,090 16%
Fire$1,332,564 33%
Other$173,262 4%
YearTotal paidPer policyWindWaterFireOther
2019$2,027,504$363$669,732$631,157$545,636$180,979
2020$3,456,009$581$673,727$425,983$2,140,626$215,673
2021$5,679,144$896$746,390$3,632,673$855,709$444,372
2022$6,465,470$993$634,511$879,340$1,065,567$3,886,052
2023$4,451,832$670$974,504$1,598,832$1,589,160$289,336
2024$12,239,285$1,825$8,719,062$926,432$1,879,626$714,165
2025$4,002,109$597$1,850,193$646,090$1,332,564$173,262

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$303,000
Policies counted, 20256,571
YearCompaniesAverage coveragePolicies
2019101$204,0005,549
2020102$207,0005,911
2021103$224,0006,301
2022102$247,0006,476
2023100$270,0006,593
202493$285,0006,668
202597$303,0006,571

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 San Jacinto 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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