Texas home insurance · County data

Tarrant County

The average Tarrant County homeowner paid $3,939 for insurance in 2025, $1,808 more a year than in 2019.

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$3,939 Average yearly home insurance premium in Tarrant County, 2025. +6.7% from 2024.
Texas has 254 counties Tarrant County416,417 policies · 117 companies · 2025 Average home premium per year $0$1,000$2,000$3,000$4,0002019202020212022202320242025$2,131$2,185$2,337$2,618$3,106$3,692$3,939Tarrant CountyTexas county median Paid claims per policy, per year $0$1,000$2,000$3,000$4,0002019202020212022202320242025$1,358$1,486$3,213$1,346$1,971$2,126$2,134 All 254 counties, by 2025 average premium
The county

Here’s Tarrant County

Texas has 254 counties. This is one of them: 416,417 home insurance policies were counted here in 2025, written by 117 companies.

The price

What homeowners pay

The average yearly premium rose from $2,131 in 2019 to $3,939 in 2025, a change of +84.8%.

The dashed line is the median Texas county: $3,247 in 2025. Tarrant County is $692 above it.

The claims

Why it went up

Insurers set prices partly on the claims they expect to pay. Paid claims here ranged from $1,346 to $3,213 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, Tarrant County ranks 231st 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
$3,939
per year, policies with wind coverage
Change vs 2024
+6.7%
from $3,692; trend shows each year’s change
Change since 2019
+84.8%
from $2,131
Texas county median, 2025
$3,247
$692 higher here; trend shows the gap by year. A typical county, not weighted by size
Rank among Texas counties
231 of 254
1 = lowest average premium
YearAverage premiumChange vs prior yearTexas county medianRank (1 = lowest)
2019$2,131—$1,913204 of 254
2020$2,185+2.5%$1,915214 of 254
2021$2,337+7.0%$2,030214 of 254
2022$2,618+12.0%$2,225220 of 254
2023$3,106+18.6%$2,599225 of 254
2024$3,692+18.9%$3,014228 of 254
2025$3,939+6.7%$3,247231 of 254

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

Claims

Total paid losses, 2025$893,563,582paid on home claims in the county
Paid losses per policy, 2025
$2,134
total paid divided by policies

Where the 2025 money went

Wind$594,522,977 67%
Water$165,631,041 19%
Fire$107,468,505 12%
Other$25,941,059 3%
YearTotal paidPer policyWindWaterFireOther
2019$547,554,667$1,358$401,520,327$75,810,328$56,136,200$14,087,812
2020$617,849,145$1,486$455,690,198$76,709,670$63,443,648$22,005,629
2021$1,362,340,012$3,213$797,235,969$443,488,081$89,877,148$31,738,814
2022$576,470,960$1,346$278,873,560$167,958,071$98,388,659$31,250,670
2023$844,772,096$1,971$493,994,402$203,030,864$113,407,324$34,339,506
2024$912,063,210$2,126$593,833,644$174,308,435$116,355,977$27,565,154
2025$893,563,582$2,134$594,522,977$165,631,041$107,468,505$25,941,059

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, 2025117
Average coverage amount, 2025$453,000
Policies counted, 2025416,417
YearCompaniesAverage coveragePolicies
2019117$291,000402,165
2020122$299,000414,862
2021118$325,000423,219
2022119$365,000426,983
2023118$397,000427,778
2024116$422,000427,925
2025117$453,000416,417

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 Tarrant 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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