Affordable Home Insurance in Texas
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What drives home insurance rates in Texas
Average homeowners premium, 2023
$2,864
The average homeowners policy in Texas cost $2,864 for a year of coverage in 2023, against $1,737 nationally.
Claims paid per premium dollar, 2023
70.8¢
Home insurers in Texas paid 70.8 cents in claims for every premium dollar in 2023; the median state was 64 cents.
Severe weather events, 2024
2,073
NOAA logged 149 tornado, 1,385 large-hail and 539 flash-flood event reports in Texas in 2024, counted per county or zone. Wind and hail claims fall on the homeowners policy; flood needs its own.
Natural-hazard loss rank
#2
FEMA ranks Texas #2 of 51 for expected annual loss from natural hazards; flood accounts for 40% of that loss, and flood damage needs a separate flood policy.
- Average homeowners premium, 2023: NAIC Homeowners Insurance Report, 2023 data
- Claims paid per premium dollar, 2023: NAIC Profitability by Line by State, 2023
- Severe weather events, 2024: NOAA Storm Events Database, 2024
- Natural-hazard loss rank: FEMA National Risk Index
Largest home insurers in Texas
The ten insurer groups that wrote the most home premium in Texas in 2025, with their share of the state total of $20.5 billion.
| # | Insurer group | Market share | Premiums written |
|---|---|---|---|
| 1 | State Farm Group | 19.66% | $4.0 billion |
| 2 | Allstate Insurance Group | 16.2% | $3.3 billion |
| 3 | United Services Automobile Association Group | 10.83% | $2.2 billion |
| 4 | Farmers Insurance Group | 7.86% | $1.6 billion |
| 5 | Liberty Mutual Group | 5.84% | $1.2 billion |
| 6 | Travelers Group | 4.97% | $1.0 billion |
| 7 | American Family Insurance Group | 3.84% | $787 million |
| 8 | Iat Reins Co. Group | 2.58% | $528 million |
| 9 | Texas Farm Bureau Mutual Group | 2.35% | $481 million |
| 10 | Progressive Group | 2.3% | $472 million |
Source: NAIC Market Share Reports, 2025 data, direct premiums written by insurer group. GEICO writes inside Berkshire Hathaway Group. Ranking is market commentary; it says nothing about which carriers a quote comparison includes.
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