Your renewal came in higher again. You searched for what homeowners insurance costs in Texas and got five different answers, none with a source you could check. It’s hard to tell whether your premium is normal when nobody agrees on what normal is.
This guide sticks to numbers with a name and a date on them, mostly from the Texas Department of Insurance: what the published averages are, why they disagree, what moves the price on one house, and how to check your own. Every figure here is context, not a quote.
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What do Texas homeowners pay on average?
The short answer: TDI reports the average Texas homeowners premium was $3,291 in 2024, with a preliminary figure of $3,506 for 2025; both are statewide averages, not a quote.
Start with the state’s own data. TDI’s Texas homeowners insurance market overview draws on the Texas Statistical Plan for Residential Risks, the data insurers report to the state. It puts the average annual homeowners premium at $3,291 for 2024 and lists $3,506 for 2025 as preliminary, so that one can still be revised.
You’ll also see $2,397 in a lot of articles. That’s the NAIC’s 2022 figure for Texas, published by the Insurance Information Institute. Here they are side by side:
| Source | Data year | What it measures | Texas | U.S. |
|---|---|---|---|---|
| TDI | 2025 (preliminary) | Average homeowners premium | $3,506 | n/a |
| TDI | 2024 | Average homeowners premium | $3,291 | n/a |
| NAIC (via III) | 2022 | Average HO-3 premium, owner-occupied homes | $2,397 | $1,569 |
On TDI’s numbers, the 2025 preliminary average is $215 above 2024’s. That’s subtraction, not a forecast for your renewal.
Why do published Texas home insurance costs disagree?
The short answer: They measure different things: TDI averages homeowners policies across Texas, the NAIC figure counts only HO-3 policies from an earlier year, and many websites price a sample house they chose themselves.
- TDI’s market overview uses Texas Statistical Plan data and covers homeowners policies broadly, not one policy form. It’s the most recent statewide figure we could find.
- The NAIC figure is narrower and older. III’s table says it’s “based on the HO-3 homeowner package policy for owner-occupied dwellings,” with average premium defined as premiums divided by “house years” of coverage. It notes Texas’s data came from TDI and that the figures include state funds, residual markets and some wind pools.
- Commercial websites often publish an “average” built from quotes for a sample home and homeowner they defined: a set dwelling limit, deductible, credit tier and claims history. Change any of those and the number moves. We can’t check those profiles, so we don’t cite them.
How does Texas compare with the national average?
The short answer: On the NAIC’s 2022 data, Texas averaged $2,397 against a national average of $1,569, which the Insurance Information Institute ranks third highest among the states.
The NAIC doesn’t rank states; the ranking is III’s presentation of its data, and only Florida and Louisiana came in higher for 2022. The table doesn’t say why Texas is high, but the weather Texas policies pay for is part of the picture. Texas recorded 902 major hail events (hail an inch or larger) in 2025, the most of any state, according to the Insurance Information Institute, citing NOAA’s Storm Prediction Center. After the February 2021 winter storm, TDI reported 510,772 claims and about $11.2 billion in expected insured Texas losses as of March 31, 2022 (TDI winter weather summary).
What drives the price of a Texas homeowners policy?
The short answer: Your dwelling limit, your deductibles, your roof, your location, your claims history and, in Texas, credit information all feed the price, and each company weighs them its own way.
TDI doesn’t set home insurance rates; companies file their rates and premium formulas with TDI, according to its guide to how premiums are calculated. These are the inputs we see make the biggest difference:
Rebuild cost
Should match what it costs to rebuild today, not the sale price. Higher limit, higher premium.
Especially wind and hail
Often a percentage of the dwelling limit. Higher deductible, generally lower premium.
Age, material, settlement
Can affect eligibility, price and whether a roof claim pays replacement cost or actual cash value.
Where the house sits
Hail and wind exposure and local fire protection vary by area.
Past losses
Prior claims can affect price and whether a company will write the policy.
Credit-based information
Allowed in Texas pricing, within the rules of Insurance Code chapter 559.
Roof terms. TDI’s roof guidance warns that “as roofs age, some companies will switch to actual cash value.” Our guide to getting Texas home insurance with an older roof covers eligibility.
Credit. Insurance Code chapter 559 governs how insurers use credit information for personal lines like home and auto, including notices to consumers. A 2025 law added a refresh rule for 2026 (see below).
Discounts. TDI’s auto and home buying guide notes you might get discounts for having more than one policy with the same company, and features like monitored alarms may also lower what you pay. Each company decides what it offers. Our statewide auto coverage guide covers the auto half of a bundle.
How does your wind and hail deductible change what you pay?
The short answer: A higher wind and hail deductible generally lowers your premium but raises what you pay after every hail claim, so the real cost is premium plus deductible.
A percentage deductible is figured on your dwelling limit. Texas Insurance Code § 2301.056 requires your declarations page to show each deductible’s dollar amount; TDI’s declarations page guide shows where.
- A 1% wind and hail deductible means you pay the first $3,200 of a covered hail claim.
- A 2% deductible means $6,400.
More on how these work in our guide to wind and hail deductibles on Texas home insurance.
By clicking Get My Free Quote, I give Robinson Legacy Partners LLC, an Allstate agency, and its licensed agents my prior express written consent, by electronic signature, to contact me with calls and text messages — including marketing calls and texts made using automated technology or an artificial or prerecorded voice — and by email, at the number and email I provided, about my insurance quote and related insurance products and services, even if my number is on a Do Not Call list. My information is never sold or shared with other agencies for their own marketing. Consent is not a condition of purchase; I can call (817) 262-5300 instead. Message frequency varies. Message and data rates may apply. Reply STOP to opt out, HELP for help. I agree to the Privacy Policy and Terms of Use, including the arbitration clause and E-SIGN consent.
What changed for Texas home insurance costs in 2026?
The short answer: TDI added a preliminary 2025 average of $3,506, and two 2025 laws now apply to home policies delivered, issued or renewed on or after January 1, 2026: a credit-refresh rule and a required appraisal provision.
As of October 2026, these are the changes we can source. TDI summarized the laws in Commissioner’s Bulletin B-0012-25 (August 5, 2025).
| Change | When | What it means |
|---|---|---|
| 2025 average: $3,506 | Preliminary | Context$215 above 2024; may be revised. |
| SB 1644: credit refresh | Policies issued or renewed on or after Jan. 1, 2026 | New ruleInsurers that use credit must update it at least every 36 months and re-rate, with limited exceptions. At renewal, you or your agent can also ask for a re-rating on a current credit report, no more than once every 12 months. |
| SB 458: appraisal | Policies issued or renewed on or after Jan. 1, 2026 | New ruleResidential policies must include an appraisal provision for disputes over the amount of a loss. |
| SB 213: bundling | Since Sept. 1, 2025 | Your choiceAn insurer can’t require you to buy home and auto from the same or an affiliated company. |
None of these sets a price. If your credit has improved since your policy was first rated, ask at renewal whether it’s been updated.
What does cost look like for North Texas homeowners?
The short answer: We don’t know of a public, dated Dallas–Fort Worth average we’d stand behind, but the same drivers apply, with hail, roof age and slab foundations coming up most in our reviews.
North Texas examples, not statewide rules:
- Hail and the deductible. Spring storms make the wind and hail deductible the line people ask us about most, often after a roofer is already on the driveway.
- Roof age. In hail country, the roof’s age and material get a close look and can change price, eligibility and settlement terms.
- Slab foundations on clay soil. Earth movement is commonly excluded; foundation coverage, where available, is usually an endorsement that adds coverage and may add premium.
- Creek flooding. Flood needs a separate policy with its own premium. See our flood insurance page.
In Arlington? Our guide to insuring a home in Arlington covers local hazards and housing. For coverage and exclusions statewide, start with our full guide to Texas home coverage.
How can you check whether your premium fits your house?
The short answer: Line up your declarations page against your actual house: rebuild cost, deductibles in dollars, roof terms, credit refresh and discounts, then ask the company to explain any increase.
A statewide average can’t tell you whether your premium is right; your declarations page can. Our Texas home insurance page explains what we look at when we quote a house. This is the order we use on a renewal:
- Check the dwelling limit against rebuild cost
Include renovations and additions. Too high costs premium; too low costs you at claim time.
- Write every deductible in dollars
Make sure you could pay the wind and hail amount from savings.
- Read your roof settlement terms
Replacement cost or actual cash value, and did it change at your last renewal?
- Ask what changed at renewal
TDI suggests asking your company to explain an increase and whether you’re getting every available discount. Ask whether your credit information was updated, too.
- Review once a year, before renewal
Rebuild costs change and roofs age. Catch mismatches while there’s time to fix them.
TDI’s column on why the state doesn’t set premiums makes the same point. For a whole-household checklist, see our Texas insurance policy review guide. Questions about your rights go to TDI’s help line, 800-252-3439.
The bottom line
The honest answer to what homeowners insurance costs in Texas is a range with sources: TDI reports $3,291 for 2024 and $3,506 for 2025 (preliminary), and the NAIC’s HO-3 figure was $2,397 for 2022, against $1,569 nationally. Those numbers say the Texas market is expensive. They don’t say what your house should cost. That comes from your rebuild cost, deductibles, roof, location, claims history and credit information, and from what you’d pay out of pocket on claim day.
For a real number on your own house, send us your ZIP below or call (817) 262-5300. We’ll quote Allstate coverage built around your house and put your deductibles in dollars before you decide. Our team helps in English, Spanish, Arabic, Hindi, Punjabi, Urdu and Coptic, Monday through Friday from 8:30 to 5.
By clicking Get My Free Quote, I give Robinson Legacy Partners LLC, an Allstate agency, and its licensed agents my prior express written consent, by electronic signature, to contact me with calls and text messages — including marketing calls and texts made using automated technology or an artificial or prerecorded voice — and by email, at the number and email I provided, about my insurance quote and related insurance products and services, even if my number is on a Do Not Call list. My information is never sold or shared with other agencies for their own marketing. Consent is not a condition of purchase; I can call (817) 262-5300 instead. Message frequency varies. Message and data rates may apply. Reply STOP to opt out, HELP for help. I agree to the Privacy Policy and Terms of Use, including the arbitration clause and E-SIGN consent.
Texas homeowners insurance cost FAQ
What was the average homeowners insurance premium in Texas in 2024?
The Texas Department of Insurance reports the average annual homeowners premium in Texas was $3,291 in 2024, based on Texas Statistical Plan data insurers report to the state. TDI also lists a preliminary 2025 figure of $3,506, which may be revised. These statewide averages blend every kind of house, coverage amount and deductible in Texas. They describe the market, not your house, and they are not a quote. Your premium can land well above or below them depending on your house, your coverage choices and where you live.
Why is the NAIC average for Texas home insurance lower than TDI’s?
Mainly because they measure different things in different years. The NAIC figure published by the Insurance Information Institute, $2,397 for Texas, is from 2022 and covers only HO-3 package policies on owner-occupied homes. TDI’s $3,291 is for 2024 and covers Texas homeowners policies broadly. The data years are two apart, and a single-form average won’t match an all-policy one. Neither figure is wrong, and neither one is a quote for your house or a prediction of your renewal.
How often must a Texas home insurer update the credit information behind my premium?
Under SB 1644, a 2025 Texas law, an insurer that uses credit information must update it at least every 36 months and re-rate the policy, for policies issued or renewed on or after January 1, 2026, according to TDI Bulletin B-0012-25. The enrolled bill also says that at renewal you or your agent can ask for a re-rating on a current credit report, no more than once every 12 months. If your credit has improved since your policy was first priced, it’s reasonable to ask at your next renewal.
Does choosing a 2% wind and hail deductible instead of 1% lower a Texas home premium?
Generally yes, a higher deductible lowers the premium, but it doubles what you pay on a covered wind or hail claim. On a $320,000 dwelling limit, 1% is $3,200 and 2% is $6,400. Compare the yearly premium difference with that extra $3,200, and make sure you could pay the higher amount from savings. Texas law requires your declarations page to show each deductible in dollars, so you can check your own numbers without doing the math.
Why can my Texas home insurance quote be far from the statewide average?
A statewide average blends every house in Texas, across every region and deductible choice. Your quote, by contrast, is built from your own rebuild cost, roof, wind and hail deductible, location, claims history and credit information, and each company weighs those in its own filed rates. Two similar-looking houses can be priced differently. Two quotes can also differ because the coverage differs. A licensed agent can show you which inputs are moving yours.
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