Texas home insurance · County data

Wilson County

The average Wilson County homeowner paid $2,990 for insurance in 2025, $1,385 more a year than in 2019.

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$2,990 Average yearly home insurance premium in Wilson County, 2025. +9.6% from 2024.
Texas has 254 counties Wilson County9,191 policies · 102 companies · 2025 Average home premium per year $0$1,000$2,000$3,000$4,0002019202020212022202320242025$1,605$1,611$1,748$1,930$2,307$2,727$2,990Wilson CountyTexas county median Paid claims per policy, per year $0$1,000$2,000$3,000$4,0002019202020212022202320242025$552$700$1,104$912$1,680$666$643About 2.5× a typical year2023: $1,680 per policy All 254 counties, by 2025 average premium
The county

Here’s Wilson County

Texas has 254 counties. This is one of them: 9,191 home insurance policies were counted here in 2025, written by 102 companies.

The price

What homeowners pay

The average yearly premium rose from $1,605 in 2019 to $2,990 in 2025, a change of +86.3%.

The dashed line is the median Texas county: $3,247 in 2025. Wilson County is $257 below it.

The claims

Why it went up

Insurers set prices partly on the claims they expect to pay. In 2023, paid claims reached $1,680 per policy here, about 2.5 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, Wilson County ranks 75th 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
$2,990
per year, policies with wind coverage
Change vs 2024
+9.6%
from $2,727; trend shows each year’s change
Change since 2019
+86.3%
from $1,605
Texas county median, 2025
$3,247
$257 lower here; trend shows the gap by year. A typical county, not weighted by size
Rank among Texas counties
75 of 254
1 = lowest average premium
YearAverage premiumChange vs prior yearTexas county medianRank (1 = lowest)
2019$1,605—$1,91338 of 254
2020$1,611+0.4%$1,91538 of 254
2021$1,748+8.5%$2,03042 of 254
2022$1,930+10.4%$2,22548 of 254
2023$2,307+19.5%$2,59954 of 254
2024$2,727+18.2%$3,01457 of 254
2025$2,990+9.6%$3,24775 of 254

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

Claims

Total paid losses, 2025$5,925,959paid on home claims in the county
Paid losses per policy, 2025
$643
total paid divided by policies

Where the 2025 money went

Wind$2,138,263 36%
Water$1,404,722 24%
Fire$2,087,356 35%
Other$295,618 5%
YearTotal paidPer policyWindWaterFireOther
2019$3,982,640$552$1,034,989$862,507$1,860,985$224,159
2020$5,369,623$700$2,544,930$771,580$1,300,384$752,729
2021$8,919,532$1,104$5,311,199$2,574,921$683,437$349,975
2022$7,712,563$912$4,313,281$1,763,048$1,247,392$388,842
2023$14,417,289$1,680$9,133,882$1,797,904$2,658,154$827,349
2024$5,980,244$666$2,193,281$1,533,696$1,571,554$681,713
2025$5,925,959$643$2,138,263$1,404,722$2,087,356$295,618

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, 2025102
Average coverage amount, 2025$402,000
Policies counted, 20259,191
YearCompaniesAverage coveragePolicies
2019107$264,0007,218
2020110$270,0007,673
2021113$295,0008,076
2022110$330,0008,452
2023110$359,0008,572
2024104$379,0008,959
2025102$402,0009,191

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 Wilson 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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