Average annual Texas homeowners premium
Preliminary 2025 statewide average reported by TDI; not a quote or city-level estimate.
Insurance facts and figures · Ron Marchiani, Farmers agent
The Texas numbers behind better questions.
Dated statewide data from the Texas Department of Insurance, plus U.S. Census facts for Central Texas. These figures provide context; they do not predict an individual premium or claim.
Texas homeowners · 2025 reporting
Average insured coverage
2025 Texas homeowners market context reported by TDI; coverage mix varies.
Active homeowners policies
TDI reported 8,233,096 active Texas policies for 2025.
Direct written premium
Texas homeowners market direct written premium for 2025, per TDI.
Homeowners market participation
TDI’s 2025 Texas homeowners market overview counts companies and groups in the state market.
Farmers Insurance Group in Texas homeowners
TDI reports Farmers Insurance Group direct written premium of $1.609 billion in 2025. Market share describes scale, not price, claims quality or a recommendation.
Average statewide rate changes in 2025
TDI’s statewide rate-change series reports average changes; they are not a forecast for a particular renewal or policy.
Homeowner losses paid by insurers
TDI reported 2025 Texas homeowner losses paid; county loss reporting excludes TWIA.
Wind and hail share of homeowner losses
TDI says wind and hail averaged 62% of homeowner losses since 2019; this is historical statewide context, not a forecast.
All figures shown here are statewide TDI market statistics. The $3,489 average is preliminary for 2025. County loss reporting excludes losses paid by TWIA. Rate changes are historical statewide averages. Retrieved October 29, 2026.
Central Texas county homeowners data · 2025
What TDI reports in each county
Compare the average annual premium and insured coverage for homeowners policies with wind coverage, plus the number of policies and companies reported in each county. This is county-level context, not a city average or a quote.
| County | Average annual premium | Average insured coverage | Policies | Companies |
|---|---|---|---|---|
| Bastrop County | $2,513 | $367,000 | 20,378 | 112 |
| Bell County | $2,708 | $375,000 | 78,865 | 115 |
| Blanco County | $3,486 | $545,000 | 3,138 | 79 |
| Bosque County | $3,505 | $352,000 | 4,017 | 81 |
| Brazos County | $2,949 | $418,000 | 36,963 | 115 |
| Burleson County | $2,620 | $283,000 | 2,890 | 88 |
| Burnet County | $3,244 | $468,000 | 11,708 | 109 |
| Caldwell County | $2,108 | $310,000 | 7,965 | 100 |
| Concho County | $2,962 | $270,000 | 359 | 36 |
| Coryell County | $2,631 | $325,000 | 13,451 | 97 |
| Falls County | $2,724 | $263,000 | 1,583 | 74 |
| Fayette County | $3,611 | $439,000 | 3,519 | 91 |
| Freestone County | $3,234 | $344,000 | 3,169 | 77 |
| Gillespie County | $3,768 | $624,000 | 6,526 | 93 |
| Grimes County | $2,963 | $337,000 | 5,332 | 92 |
| Hamilton County | $3,275 | $320,000 | 1,263 | 59 |
| Hays County | $2,688 | $471,000 | 66,755 | 119 |
| Hill County | $3,161 | $309,000 | 6,171 | 82 |
| Kimble County | $2,900 | $339,000 | 494 | 47 |
| Lampasas County | $2,926 | $363,000 | 5,212 | 92 |
| Lee County | $3,050 | $342,000 | 2,165 | 90 |
| Leon County | $2,915 | $301,000 | 3,403 | 82 |
| Limestone County | $2,884 | $279,000 | 3,214 | 74 |
| Llano County | $4,137 | $661,000 | 10,021 | 99 |
| Madison County | $2,912 | $276,000 | 1,424 | 62 |
| Mason County | $3,139 | $391,000 | 632 | 48 |
| McCulloch County | $3,072 | $284,000 | 1,123 | 55 |
| McLennan County | $3,110 | $366,000 | 47,650 | 113 |
| Menard County | $2,491 | $264,000 | 308 | 43 |
| Milam County | $2,719 | $308,000 | 3,321 | 87 |
| Mills County | $3,154 | $307,000 | 605 | 47 |
| Robertson County | $2,715 | $291,000 | 2,505 | 78 |
| San Saba County | $2,918 | $301,000 | 637 | 44 |
| Travis County | $3,245 | $557,000 | 272,866 | 123 |
| Washington County | $3,540 | $424,000 | 6,226 | 101 |
| Williamson County | $2,758 | $466,000 | 152,007 | 122 |
Source: Texas Department of Insurance, homeowners county map; policies active December 31, 2025. The source map reports county averages. Coverage, policy count, and company count are reported alongside the premium so the market size and average insured amount remain visible.
Sources
Download the complete 36-county dataset (CSV) ↗Why these facts matter
Use market data to frame a question, not guess a quote.
A statewide average blends homes and policies with different locations, replacement values, construction, claims histories, coverage limits and deductibles. Use the data to understand market context, then compare written terms for the specific risk.
Farmers background
Farmers dates its history to 1928. The company describes personalized agent support and says it may deploy catastrophe response teams after large-scale disasters. TDI reports Farmers Insurance Group held 8.15% of Texas homeowners direct-written premium in 2025. These company and market facts do not promise an individual price or claims outcome.
Farmers company history ↗
Sources
Central Texas population
City and county numbers, with a date attached.
The city directory uses Census Bureau Vintage 2025 population estimates and reports the 2020 estimate base, county portion and percent change for Census places across the 36-county Central Texas region defined by the State of Texas.
Browse the city and county directory ↗ Open quote and fact sources ↗