Texas home insurance · County data

Smith County

The average Smith County homeowner paid $3,148 for insurance in 2025, $1,314 more a year than in 2019.

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$3,148 Average yearly home insurance premium in Smith County, 2025. +6.3% from 2024.
Texas has 254 counties Smith County47,676 policies · 103 companies · 2025 Average home premium per year $0$1,000$2,000$3,000$4,0002019202020212022202320242025$1,834$1,838$1,934$2,144$2,531$2,961$3,148Smith CountyTexas county median Paid claims per policy, per year $0$2,000$4,000$6,000$8,0002019202020212022202320242025$1,055$1,104$1,591$1,514$1,519$4,772$1,641About 3× a typical year2024: $4,772 per policy All 254 counties, by 2025 average premium
The county

Here’s Smith County

Texas has 254 counties. This is one of them: 47,676 home insurance policies were counted here in 2025, written by 103 companies.

The price

What homeowners pay

The average yearly premium rose from $1,834 in 2019 to $3,148 in 2025, a change of +71.6%.

The dashed line is the median Texas county: $3,247 in 2025. Smith County is $99 below it.

The claims

Why it went up

Insurers set prices partly on the claims they expect to pay. In 2024, paid claims reached $4,772 per policy here, about 3 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, Smith County ranks 103rd 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.

CompareCompare with another county

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The dataThe full numbers

Home premiums

Average home premium, 2025
$3,148
per year, policies with wind coverage
Change vs 2024
+6.3%
from $2,961; trend shows each year’s change
Change since 2019
+71.6%
from $1,834
Texas county median, 2025
$3,247
$99 lower here; trend shows the gap by year. A typical county, not weighted by size
Rank among Texas counties
103 of 254
1 = lowest average premium
YearAverage premiumChange vs prior yearTexas county medianRank (1 = lowest)
2019$1,834—$1,91396 of 254
2020$1,838+0.2%$1,915103 of 254
2021$1,934+5.2%$2,030101 of 254
2022$2,144+10.9%$2,225103 of 254
2023$2,531+18.1%$2,599107 of 254
2024$2,961+17.0%$3,014111 of 254
2025$3,148+6.3%$3,247103 of 254

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

Claims

Total paid losses, 2025$78,390,968paid on home claims in the county
Paid losses per policy, 2025
$1,641
total paid divided by policies

Where the 2025 money went

Wind$48,557,879 62%
Water$12,315,128 16%
Fire$14,316,278 18%
Other$3,201,683 4%
YearTotal paidPer policyWindWaterFireOther
2019$44,601,125$1,055$28,202,999$6,520,674$7,373,585$2,503,867
2020$48,325,577$1,104$35,239,865$5,112,057$5,543,735$2,429,920
2021$72,515,717$1,591$33,010,304$22,173,079$12,227,294$5,105,040
2022$70,772,544$1,514$44,855,202$9,696,082$12,722,554$3,498,706
2023$71,730,390$1,519$40,416,060$16,369,782$8,566,355$6,378,193
2024$227,962,545$4,772$196,070,243$15,983,460$13,448,757$2,460,085
2025$78,390,968$1,641$48,557,879$12,315,128$14,316,278$3,201,683

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, 2025103
Average coverage amount, 2025$398,000
Policies counted, 202547,676
YearCompaniesAverage coveragePolicies
2019112$266,00042,248
2020119$268,00043,731
2021115$290,00045,552
2022115$324,00046,700
2023112$354,00047,220
2024109$372,00048,042
2025103$398,00047,676

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 Smith 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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