Texas home insurance · County data

Zavala County

The average Zavala County homeowner paid $2,385 for insurance in 2025, $842 more a year than in 2019.

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$2,385 Average yearly home insurance premium in Zavala County, 2025. +7.2% from 2024.
Texas has 254 counties Zavala County785 policies · 59 companies · 2025 Average home premium per year $0$1,000$2,000$3,000$4,0002019202020212022202320242025$1,543$1,401$1,514$1,671$1,910$2,224$2,385Zavala CountyTexas county median Paid claims per policy, per year $0$1,000$2,000$3,000$4,0002019202020212022202320242025$358$387$446$928$2,011$789$900About 3× a typical year2023: $2,011 per policy All 254 counties, by 2025 average premium
The county

Here’s Zavala County

Texas has 254 counties. This is one of them: 785 home insurance policies were counted here in 2025, written by 59 companies.

The price

What homeowners pay

The average yearly premium rose from $1,543 in 2019 to $2,385 in 2025, a change of +54.6%.

The dashed line is the median Texas county: $3,247 in 2025. Zavala County is $862 below it.

The claims

Why it went up

Insurers set prices partly on the claims they expect to pay. In 2023, paid claims reached $2,011 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, Zavala County ranks 12th 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
$2,385
per year, policies with wind coverage
Change vs 2024
+7.2%
from $2,224; trend shows each year’s change
Change since 2019
+54.6%
from $1,543
Texas county median, 2025
$3,247
$862 lower here; trend shows the gap by year. A typical county, not weighted by size
Rank among Texas counties
12 of 254
1 = lowest average premium
YearAverage premiumChange vs prior yearTexas county medianRank (1 = lowest)
2019$1,543—$1,91328 of 254
2020$1,401−9.2%$1,9156 of 254
2021$1,514+8.1%$2,0307 of 254
2022$1,671+10.4%$2,22512 of 254
2023$1,910+14.3%$2,59910 of 254
2024$2,224+16.4%$3,01410 of 254
2025$2,385+7.2%$3,24712 of 254

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

Claims

Total paid losses, 2025$726,556paid on home claims in the county
Paid losses per policy, 2025
$900
total paid divided by policies

Where the 2025 money went

Wind$502,870 69%
Water$204,967 28%
Fire$0 0%
Other$18,719 3%
YearTotal paidPer policyWindWaterFireOther
2019$281,295$358$229,272$30,420$2,137$19,466
2020$323,311$387$91,992$19,910$107,351$104,058
2021$375,611$446$253,377$21,174$63,802$37,258
2022$780,464$928$546,718$69,799$152,734$11,213
2023$1,675,387$2,011$1,265,993$118,897$12,341$278,156
2024$657,195$789$369,872$69,688$115,758$101,877
2025$726,556$900$502,870$204,967$0$18,719

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, 202559
Average coverage amount, 2025$215,000
Policies counted, 2025785
YearCompaniesAverage coveragePolicies
201965$171,000756
202065$142,000808
202159$150,000816
202258$171,000814
202355$191,000804
202456$211,000810
202559$215,000785

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 Zavala 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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