Texas home insurance · County data

Waller County

The average Waller County homeowner paid $2,939 for insurance in 2025, $1,069 more a year than in 2019.

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$2,939 Average yearly home insurance premium in Waller County, 2025. +2.5% from 2024.
Texas has 254 counties Waller County10,211 policies · 103 companies · 2025 Average home premium per year $0$1,000$2,000$3,000$4,0002019202020212022202320242025$1,870$1,788$1,856$2,055$2,501$2,868$2,939Waller CountyTexas county median Paid claims per policy, per year $0$1,000$2,000$3,000$4,0002019202020212022202320242025$448$616$1,761$514$688$1,671$536About 3× a typical year2021: $1,761 per policy All 254 counties, by 2025 average premium
The county

Here’s Waller County

Texas has 254 counties. This is one of them: 10,211 home insurance policies were counted here in 2025, written by 103 companies.

The price

What homeowners pay

The average yearly premium rose from $1,870 in 2019 to $2,939 in 2025, a change of +57.2%.

The dashed line is the median Texas county: $3,247 in 2025. Waller County is $308 below it.

The claims

Why it went up

Insurers set prices partly on the claims they expect to pay. In 2021, paid claims reached $1,761 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, Waller County ranks 64th 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
$2,939
per year, policies with wind coverage
Change vs 2024
+2.5%
from $2,868; trend shows each year’s change
Change since 2019
+57.2%
from $1,870
Texas county median, 2025
$3,247
$308 lower here; trend shows the gap by year. A typical county, not weighted by size
Rank among Texas counties
64 of 254
1 = lowest average premium
YearAverage premiumChange vs prior yearTexas county medianRank (1 = lowest)
2019$1,870—$1,913115 of 254
2020$1,788−4.4%$1,91587 of 254
2021$1,856+3.8%$2,03072 of 254
2022$2,055+10.7%$2,22576 of 254
2023$2,501+21.7%$2,599101 of 254
2024$2,868+14.7%$3,01489 of 254
2025$2,939+2.5%$3,24764 of 254

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

Claims

Total paid losses, 2025$5,541,316paid on home claims in the county
Paid losses per policy, 2025
$536
total paid divided by policies

Where the 2025 money went

Wind$2,737,357 49%
Water$1,100,333 20%
Fire$1,129,277 20%
Other$574,349 10%
YearTotal paidPer policyWindWaterFireOther
2019$2,567,107$448$648,164$712,766$1,031,256$174,921
2020$4,054,887$616$2,809,293$691,489$378,321$175,784
2021$13,098,187$1,761$2,825,057$9,398,500$649,840$224,790
2022$4,147,576$514$1,685,958$1,477,036$701,872$282,710
2023$5,770,079$688$1,750,617$2,749,814$898,920$370,728
2024$15,385,744$1,671$11,764,619$1,402,988$1,396,305$821,832
2025$5,541,316$536$2,737,357$1,100,333$1,129,277$574,349

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$397,000
Policies counted, 202510,211
YearCompaniesAverage coveragePolicies
2019105$260,0005,686
2020111$264,0006,540
2021111$286,0007,386
2022112$321,0008,000
2023109$360,0008,300
2024102$379,0009,096
2025103$397,00010,211

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 Waller 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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