Texas home insurance · County data

Wharton County

The average Wharton County homeowner paid $3,996 for insurance in 2025, $1,638 more a year than in 2019.

Scroll for the story

$3,996 Average yearly home insurance premium in Wharton County, 2025. +9.7% from 2024.
Texas has 254 counties Wharton County4,579 policies · 86 companies · 2025 Average home premium per year $0$1,000$2,000$3,000$4,0002019202020212022202320242025$2,358$2,357$2,498$2,713$3,142$3,642$3,996Wharton CountyTexas county median Paid claims per policy, per year $0$1,000$2,000$3,000$4,0002019202020212022202320242025$536$193$812$556$653$1,588$620About 2.7× a typical year2024: $1,588 per policy All 254 counties, by 2025 average premium
The county

Here’s Wharton County

Texas has 254 counties. This is one of them: 4,579 home insurance policies were counted here in 2025, written by 86 companies.

The price

What homeowners pay

The average yearly premium rose from $2,358 in 2019 to $3,996 in 2025, a change of +69.5%.

The dashed line is the median Texas county: $3,247 in 2025. Wharton County is $749 above it.

The claims

Why it went up

Insurers set prices partly on the claims they expect to pay. In 2024, paid claims reached $1,588 per policy here, about 2.7 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, Wharton County ranks 234th 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

Pick a Texas county to see its page, or browse all 254.

The dataThe full numbers

Home premiums

Average home premium, 2025
$3,996
per year, policies with wind coverage
Change vs 2024
+9.7%
from $3,642; trend shows each year’s change
Change since 2019
+69.5%
from $2,358
Texas county median, 2025
$3,247
$749 higher here; trend shows the gap by year. A typical county, not weighted by size
Rank among Texas counties
234 of 254
1 = lowest average premium
YearAverage premiumChange vs prior yearTexas county medianRank (1 = lowest)
2019$2,358—$1,913236 of 254
2020$2,3570.0%$1,915237 of 254
2021$2,498+6.0%$2,030238 of 254
2022$2,713+8.6%$2,225234 of 254
2023$3,142+15.8%$2,599227 of 254
2024$3,642+15.9%$3,014225 of 254
2025$3,996+9.7%$3,247234 of 254

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

Claims

Total paid losses, 2025$2,931,528paid on home claims in the county
Paid losses per policy, 2025
$620
total paid divided by policies

Where the 2025 money went

Wind$1,711,628 58%
Water$508,419 17%
Fire$641,197 22%
Other$70,284 2%
YearTotal paidPer policyWindWaterFireOther
2019$2,042,095$536$491,238$198,085$1,272,868$79,904
2020$805,398$193$291,913$198,069$216,978$98,438
2021$3,642,822$812$658,641$2,801,393$100,765$82,023
2022$2,545,381$556$810,088$849,591$769,057$116,645
2023$3,005,729$653$1,431,828$550,192$911,289$112,420
2024$7,519,938$1,588$5,808,549$345,076$1,119,327$246,986
2025$2,931,528$620$1,711,628$508,419$641,197$70,284

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$316,000
Policies counted, 20254,579
YearCompaniesAverage coveragePolicies
201991$218,0003,777
202097$216,0004,142
202194$235,0004,453
202294$255,0004,546
202392$279,0004,550
202488$295,0004,606
202586$316,0004,579

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 Wharton 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

Talk to a licensed local agent

Leave your details and one licensed Texas insurance agent may reach out. There is nothing to buy here, and we do not quote prices.

  • Your request goes to one licensed Texas agent
  • No cost to you for sending it
  • You can ask us to delete it at any time
What do you want help with?

We’re not an insurance company or agent. We share your request with one licensed Texas insurance agent, who may contact you. Privacy