Texas home insurance · County data

Willacy County

The average Willacy County homeowner paid $2,970 for insurance in 2025, $794 more a year than in 2019.

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$2,970 Average yearly home insurance premium in Willacy County, 2025. +7.2% from 2024.
Texas has 254 counties Willacy County1,183 policies · 57 companies · 2025 Average home premium per year $0$1,000$2,000$3,000$4,0002019202020212022202320242025$2,176$2,103$2,144$2,249$2,425$2,770$2,970Willacy CountyTexas county median Paid claims per policy, per year $0$2,000$4,000$6,000$8,0002019202020212022202320242025$780$3,400$1,152$386$524$489$282About 7× a typical year2020: $3,400 per policy All 254 counties, by 2025 average premium
The county

Here’s Willacy County

Texas has 254 counties. This is one of them: 1,183 home insurance policies were counted here in 2025, written by 57 companies.

The price

What homeowners pay

The average yearly premium rose from $2,176 in 2019 to $2,970 in 2025, a change of +36.5%.

The dashed line is the median Texas county: $3,247 in 2025. Willacy County is $277 below it.

The claims

Why it went up

Insurers set prices partly on the claims they expect to pay. In 2020, paid claims reached $3,400 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, Willacy County ranks 70th 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
$2,970
per year, policies with wind coverage
Change vs 2024
+7.2%
from $2,770; trend shows each year’s change
Change since 2019
+36.5%
from $2,176
Texas county median, 2025
$3,247
$277 lower here; trend shows the gap by year. A typical county, not weighted by size
Rank among Texas counties
70 of 254
1 = lowest average premium
Average premium without wind coverage, 2025$1,355
Average Texas Windstorm Insurance Association premium, 2025$2,640
YearAverage premiumChange vs prior yearTexas county medianRank (1 = lowest)
2019$2,176—$1,913213 of 254
2020$2,103−3.4%$1,915196 of 254
2021$2,144+1.9%$2,030166 of 254
2022$2,249+4.9%$2,225136 of 254
2023$2,425+7.8%$2,59984 of 254
2024$2,770+14.2%$3,01469 of 254
2025$2,970+7.2%$3,24770 of 254

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

Claims

Total paid losses, 2025$445,366paid on home claims in the county
Paid losses per policy, 2025
$282
total paid divided by policies

Where the 2025 money went

Wind$113,358 25%
Water$77,194 17%
Fire$236,855 53%
Other$17,959 4%
YearTotal paidPer policyWindWaterFireOther
2019$1,122,235$780$328,186$104,145$636,968$52,936
2020$5,170,643$3,400$4,507,269$113,553$522,321$27,500
2021$1,817,450$1,152$879,908$284,046$611,882$41,614
2022$621,657$386$247,141$262,914$78,224$33,378
2023$819,655$524$242,132$351,606$145,218$80,699
2024$780,754$489$342,106$255,012$145,171$38,465
2025$445,366$282$113,358$77,194$236,855$17,959

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, 202557
Average coverage amount, 2025$248,000
Policies counted, 20251,183
YearCompaniesAverage coveragePoliciesAvg premium, no windAvg TWIA premium
201954$166,0001,013$977$1,682
202054$170,0001,125$940$1,744
202152$184,0001,222$981$1,824
202256$199,0001,248$958$2,173
202359$216,0001,184$1,133$2,299
202454$228,0001,218$1,356$2,560
202557$248,0001,183$1,355$2,640

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 Willacy 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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