Texas home insurance · County data

Upshur County

The average Upshur County homeowner paid $2,992 for insurance in 2025, $1,217 more a year than in 2019.

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$2,992 Average yearly home insurance premium in Upshur County, 2025. +6.7% from 2024.
Texas has 254 counties Upshur County7,745 policies · 86 companies · 2025 Average home premium per year $0$1,000$2,000$3,000$4,0002019202020212022202320242025$1,775$1,779$1,855$2,063$2,411$2,805$2,992Upshur CountyTexas county median Paid claims per policy, per year $0$1,000$2,000$3,000$4,0002019202020212022202320242025$1,208$1,258$925$1,904$2,090$999$1,279 All 254 counties, by 2025 average premium
The county

Here’s Upshur County

Texas has 254 counties. This is one of them: 7,745 home insurance policies were counted here in 2025, written by 86 companies.

The price

What homeowners pay

The average yearly premium rose from $1,775 in 2019 to $2,992 in 2025, a change of +68.6%.

The dashed line is the median Texas county: $3,247 in 2025. Upshur County is $255 below it.

The claims

Why it went up

Insurers set prices partly on the claims they expect to pay. Paid claims here ranged from $925 to $2,090 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, Upshur County ranks 76th 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
$2,992
per year, policies with wind coverage
Change vs 2024
+6.7%
from $2,805; trend shows each year’s change
Change since 2019
+68.6%
from $1,775
Texas county median, 2025
$3,247
$255 lower here; trend shows the gap by year. A typical county, not weighted by size
Rank among Texas counties
76 of 254
1 = lowest average premium
YearAverage premiumChange vs prior yearTexas county medianRank (1 = lowest)
2019$1,775—$1,91379 of 254
2020$1,779+0.2%$1,91581 of 254
2021$1,855+4.3%$2,03070 of 254
2022$2,063+11.2%$2,22584 of 254
2023$2,411+16.9%$2,59980 of 254
2024$2,805+16.3%$3,01478 of 254
2025$2,992+6.7%$3,24776 of 254

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

Claims

Total paid losses, 2025$9,931,238paid on home claims in the county
Paid losses per policy, 2025
$1,279
total paid divided by policies

Where the 2025 money went

Wind$4,408,463 44%
Water$1,206,886 12%
Fire$3,920,117 39%
Other$395,772 4%
YearTotal paidPer policyWindWaterFireOther
2019$7,674,627$1,208$5,432,901$380,373$1,609,167$252,186
2020$8,463,240$1,258$4,542,018$594,815$2,857,945$468,462
2021$6,480,650$925$2,228,426$1,922,582$1,243,891$1,085,751
2022$13,885,944$1,904$8,686,895$1,391,948$3,281,893$525,208
2023$15,679,323$2,090$12,451,821$1,257,519$1,658,083$311,900
2024$7,620,564$999$2,984,425$1,323,849$2,861,062$451,228
2025$9,931,238$1,279$4,408,463$1,206,886$3,920,117$395,772

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, 202586
Average coverage amount, 2025$313,000
Policies counted, 20257,745
YearCompaniesAverage coveragePolicies
201988$200,0006,348
202090$204,0006,724
202188$221,0007,002
202288$248,0007,289
202383$272,0007,501
202482$288,0007,697
202586$313,0007,745

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 Upshur 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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