At a glance
Texas homeowners insurance, by the numbers.
These figures are collected from public reporting by the Texas Department of Insurance. They provide statewide context, not a quote or a prediction for a particular home, family, or policy.
Each statistic has a stable section link and a direct source so readers can check the underlying information.
8,233,096
active homeowners policies
Texas had 8,233,096 active homeowners policies in 2025, according to the Texas Department of Insurance.
Source: Texas homeowners insurance market overview, 2025$3,489
average annual premium
The state’s average annual homeowners premium was $3,489 in 2025, according to the Texas Department of Insurance.
Source: Texas homeowners insurance market overview, 2025$1,961 to $3,489
average annual premium, 2019 to 2025
The department’s annual chart shows the statewide average annual homeowners premium rising from $1,961 in 2019 to $3,489 in 2025.
Source: Texas homeowners insurance market overview, 2019 and 2025$287,900 to $432,800
average home coverage, 2019 to 2025
Average home coverage shown in the state’s market data increased from $287,900 in 2019 to $432,800 in 2025.
Source: Texas homeowners insurance market overview, 2019 and 2025$10.2 billion
insured homeowners losses in 2024
Texas homeowners insured losses totaled $10.2 billion in 2024, the highest annual total shown in the department’s 2015 to 2024 chart.
Source: Texas homeowners insurance market overview, 2024$4.93B hail + $2.21B wind
homeowners losses in 2024
For 2024, the department reported $4.93 billion in hail losses and $2.21 billion in wind losses on homeowners policies.
Source: Texas homeowners insurance market overview, 2024$8.74 billion
homeowners losses paid in 2025
Insurance companies paid $8.74 billion in homeowners losses in 2025 across wind and hail, water, fire, and theft, liability, and vandalism.
Source: TDI transparency announcement, June 22, 202662%
of homeowners losses, on average since 2019
TDI reports that wind and hail have accounted for an average of 62% of Texas homeowners losses since 2019.
Source: TDI transparency announcement, June 22, 2026157 companies
writing in the Texas homeowners market
The Texas homeowners market included 157 companies across 81 insurance groups in the department’s 2025 market snapshot.
Source: Texas homeowners insurance market overview, 2025$19.75 billion
direct written premium in 2025
Texas homeowners insurers reported $19.75 billion in direct written premium in 2025. Direct written premium is the amount insurers expect to collect for policies issued.
Source: Texas homeowners insurance market overview, 2025−4.3%
average filed rate change, July through September 2026
Over the 90 days ending in September 2026, filed homeowners rate changes averaged a 4.3% decrease, according to the Texas Department of Insurance. A filed rate change is not a guaranteed change to an individual policy.
Source: TDI rate-change update, October 8, 2026−6.6%
average filed rate request in September 2026
For the 30-day period ending in September 2026, filed homeowners rate requests averaged a 6.6% decrease. A filed request is not a guaranteed change to an individual policy.
Source: Texas homeowners insurance market overview, September 2026What the figures show
Premiums, coverage values, and weather losses all shape the conversation.
Statewide averages can help explain why a renewal or quote may look different from a few years ago. They cannot explain the details of a particular policy. A home’s location, rebuild value, roof, claims history, deductible, coverage choices, and insurance company can all matter.
The claims figures also make one point clear: wind and hail are a major part of the Texas homeowners insurance picture. For families in Lubbock and across West Texas, it is worth asking what the policy says about deductibles, roof settlement, water damage, and flood coverage before storm season arrives.
Explore homeowners insurance optionsMethodology and sources
How this reference is maintained.
This page uses public Texas Department of Insurance reporting. The department cites the Texas Statistical Plan for Residential Risks for market, premium, coverage, and loss figures, and TDI rate filing data for average rate changes. Figures retain the year and qualification supplied by the source.
- Texas Department of Insurance, Texas homeowners insurance market overview
- Texas Department of Insurance, transparency announcement, June 22, 2026
- Texas Department of Insurance, rate-change update, October 8, 2026
We review this page about once a month and update it sooner when a key source publishes new data. Last reviewed October 19, 2026.
Cite this page
Calderon Insurance Agency. “Texas Home Insurance Statistics: 2026.” Updated October 19, 2026. https://rcalderoninsurance.com/texas-home-insurance-statistics