Texas home insurance · County data

Wheeler County

The average Wheeler County homeowner paid $3,577 for insurance in 2025, $1,466 more a year than in 2019.

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$3,577 Average yearly home insurance premium in Wheeler County, 2025. +6.7% from 2024.
Texas has 254 counties Wheeler County607 policies · 52 companies · 2025 Average home premium per year $0$1,000$2,000$3,000$4,0002019202020212022202320242025$2,111$2,165$2,321$2,531$2,909$3,352$3,577Wheeler CountyTexas county median Paid claims per policy, per year $0$2,000$4,000$6,000$8,0002019202020212022202320242025$680$272$407$537$4,274$1,258$766About 7× a typical year2023: $4,274 per policy All 254 counties, by 2025 average premium
The county

Here’s Wheeler County

Texas has 254 counties. This is one of them: 607 home insurance policies were counted here in 2025, written by 52 companies.

The price

What homeowners pay

The average yearly premium rose from $2,111 in 2019 to $3,577 in 2025, a change of +69.4%.

The dashed line is the median Texas county: $3,247 in 2025. Wheeler County is $330 above it.

The claims

Why it went up

Insurers set prices partly on the claims they expect to pay. In 2023, paid claims reached $4,274 per policy here, about 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, Wheeler County ranks 203rd 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
$3,577
per year, policies with wind coverage
Change vs 2024
+6.7%
from $3,352; trend shows each year’s change
Change since 2019
+69.4%
from $2,111
Texas county median, 2025
$3,247
$330 higher here; trend shows the gap by year. A typical county, not weighted by size
Rank among Texas counties
203 of 254
1 = lowest average premium
YearAverage premiumChange vs prior yearTexas county medianRank (1 = lowest)
2019$2,111—$1,913193 of 254
2020$2,165+2.6%$1,915209 of 254
2021$2,321+7.2%$2,030212 of 254
2022$2,531+9.0%$2,225210 of 254
2023$2,909+14.9%$2,599203 of 254
2024$3,352+15.2%$3,014199 of 254
2025$3,577+6.7%$3,247203 of 254

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

Claims

Total paid losses, 2025$466,672paid on home claims in the county
Paid losses per policy, 2025
$766
total paid divided by policies

Where the 2025 money went

Wind$316,742 68%
Water$100,141 21%
Fire$39,789 9%
Other$10,000 2%
YearTotal paidPer policyWindWaterFireOther
2019$344,086$680$234,052$3,528$90,224$16,282
2020$145,264$272$79,091$39,645$17,324$9,204
2021$223,168$407$102,511$74,779$11,001$34,877
2022$301,342$537$145,433$104,659$50,750$500
2023$2,453,112$4,274$2,336,292$100,648$0$16,172
2024$743,549$1,258$297,685$6,684$378,277$60,903
2025$466,672$766$316,742$100,141$39,789$10,000

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, 202552
Average coverage amount, 2025$274,000
Policies counted, 2025607
YearCompaniesAverage coveragePolicies
201957$177,000506
202054$179,000535
202157$192,000548
202257$219,000561
202360$238,000574
202452$252,000597
202552$274,000607

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 Wheeler 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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