Texas home insurance · County data

Sterling County

The average Sterling County homeowner paid $3,762 for insurance in 2025, $1,715 more a year than in 2019.

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$3,762 Average yearly home insurance premium in Sterling County, 2025. +5.4% from 2024.

Small sample. Figures for 2019, 2020 are based on fewer than 100 policies, so averages can swing a lot from year to year.

Texas has 254 counties Sterling County120 policies · 29 companies · 2025 Average home premium per year $0$1,000$2,000$3,000$4,0002019202020212022202320242025$2,047$2,219$2,231$2,534$3,168$3,568$3,762Sterling CountyTexas county median Paid claims per policy, per year $0$2,000$4,000$6,000$8,0002019202020212022202320242025$1,056$162$5,563$730$1,713$666$1,807About 6× a typical year2021: $5,563 per policy All 254 counties, by 2025 average premium
The county

Here’s Sterling County

Texas has 254 counties. This is one of them: 120 home insurance policies were counted here in 2025, written by 29 companies.

The price

What homeowners pay

The average yearly premium rose from $2,047 in 2019 to $3,762 in 2025, a change of +83.8%.

The dashed line is the median Texas county: $3,247 in 2025. Sterling County is $515 above it.

The claims

Why it went up

Insurers set prices partly on the claims they expect to pay. In 2021, paid claims reached $5,563 per policy here, about 6 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, Sterling County ranks 215th 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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Pick a Texas county to see its page, or browse all 254.

The dataThe full numbers

Home premiums

Average home premium, 2025
$3,762
per year, policies with wind coverage
Change vs 2024
+5.4%
from $3,568; trend shows each year’s change
Change since 2019
+83.8%
from $2,047
Texas county median, 2025
$3,247
$515 higher here; trend shows the gap by year. A typical county, not weighted by size
Rank among Texas counties
215 of 254
1 = lowest average premium
YearAverage premiumChange vs prior yearTexas county medianRank (1 = lowest)
2019*$2,047—$1,913174 of 254
2020*$2,219+8.4%$1,915219 of 254
2021$2,231+0.5%$2,030200 of 254
2022$2,534+13.6%$2,225211 of 254
2023$3,168+25.0%$2,599231 of 254
2024$3,568+12.6%$3,014217 of 254
2025$3,762+5.4%$3,247215 of 254

* Fewer than 100 policies that year, so the average is less reliable.

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

Claims

Total paid losses, 2025$220,446paid on home claims in the county
Paid losses per policy, 2025
$1,807
total paid divided by policies

Where the 2025 money went

Wind$212,119 96%
Water$8,327 4%
Fire$0 0%
Other$0 0%
YearTotal paidPer policyWindWaterFireOther
2019*$89,741$1,056$89,741$0$0$0
2020*$14,063$162$14,063$0$0$0
2021$573,002$5,563$455,097$76,248$39,463$2,194
2022$79,551$730$78,836$715$0$0
2023$195,293$1,713$194,958$0$0$335
2024$81,887$666$35,335$0$46,552$0
2025$220,446$1,807$212,119$8,327$0$0

* Fewer than 100 policies that year, so the average is less reliable.

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, 202529
Average coverage amount, 2025$352,000
Policies counted, 2025120
YearCompaniesAverage coveragePolicies
2019*28$236,00085
2020*28$251,00087
202130$259,000103
202232$278,000109
202330$307,000114
202430$324,000122
202529$352,000120

* Fewer than 100 policies that year, so the average is less reliable.

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 Sterling 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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