How much is homeowners insurance in Texas? Based on the most recent published averages, a Texas policy runs roughly $3,500 to $5,900 a year. That’s about $290 to $490 a month, depending mostly on what it would cost to rebuild your home and where it sits. According to Texas Department of Insurance data, the statewide average premium was $1,961 in 2019 and reached $3,506 in 2025. In the Houston area, many families pay well above that.
That’s the quick answer. The useful answer is what’s behind your number, because two houses on the same street can get very different quotes. Here’s what Texans are paying, why, and what you can do about it.
Good news: rates are starting to come down. In October 2026, the Texas Department of Insurance reported that homeowners rate changes filed since July 1 have averaged a 4.3% decrease, affecting about 700,000 policyholders. The averages in this guide come from 2025 and early-2026 data, so the quote you get today may come in lower. That makes right now a smart time to compare.
Key Takeaways
- Recent averages put Texas premiums at about $3,500 to $5,900 a year. A $500,000 dwelling policy averages $5,910 a year in Texas, nearly double the $3,005 national average for identical coverage.
- Rates are starting to ease. Homeowners rate filings since July have averaged a 4.3% decrease, so today’s quotes may beat these averages.
- Where you live matters more than almost anything. In NerdWallet’s sample, El Paso averaged $2,520 a year while Houston averaged $9,095 and Pasadena hit $10,940.
- Weather is the main driver. Wind and hail have made up an average of 62% of Texas homeowners’ losses since 2019.
- Your deductible is part of your real cost. The average Texas wind and hail deductible is $7,761, about 2.2% of dwelling coverage, the highest share of any state.
- Comparing carriers pays off. An independent agency can put several A-rated carriers side by side for the same home.
Want your actual number instead of an average? Our licensed team compares homeowners insurance options from 25+ A-rated carriers. Call or text (832)-956-1033, or request your homeowners quote online.
Average Cost of Home Insurance in Texas in 2026
You’ll see a lot of different “average” numbers online, and they’re not all wrong. They measure different things.
The Texas Department of Insurance number ($3,506 in 2025) reflects what Texans actually paid across all homeowners policies. That includes older homes, smaller homes, and lots of different coverage choices. Rate studies work differently. They quote one standard sample home across many carriers, so their averages climb with the coverage amount.
Here’s how NerdWallet’s 2026 Texas study breaks out by dwelling coverage. All figures assume good credit and a $1,000 deductible. These are early-2026 figures, published before the latest rate decreases:
| Dwelling Coverage | Average Annual Rate | About Per Month |
|---|---|---|
| $300,000 | $3,875 | $323 |
| $400,000 | $4,915 | $410 |
| $500,000 | $5,910 | $493 |
| $600,000 | $6,625 | $552 |
| $700,000 | $7,400 | $617 |
Which row should you look at? Here’s our take: start with your rebuild cost, not your purchase price. First Street data cited by NerdWallet puts the median rebuilding cost for a Texas home at $526,190. So the $500,000 row is closer to reality for a lot of Texas families than the $300,000 figure many headlines lead with. For more ways to think about your home’s protection, browse our homeowners insurance tips.
How Much Is Home Insurance in Texas Per Month?
Most Texans pay somewhere between about $290 and $490 a month. That range runs from the TDI statewide average up to a typical $500,000 dwelling policy. If you have a mortgage, you probably don’t see that bill directly. It’s folded into your escrow payment, which is why a renewal increase can show up as a surprise jump in your house payment. The good news: with carriers filing rate decreases since July, some new quotes may come in below that range.
Texas Homeowners Insurance Cost by City
Location drives Texas rates harder than almost any other factor. Gulf Coast cities carry hurricane risk. The Panhandle and North Texas take the brunt of hail. Here’s a sample of NerdWallet’s city data, based on the same $500,000 sample policy:
| City | Average Annual Rate | Average Monthly Rate |
|---|---|---|
| Pasadena | $10,940 | $912 |
| Amarillo | $10,200 | $850 |
| Houston | $9,095 | $758 |
| Lubbock | $8,125 | $677 |
| Corpus Christi | $7,965 | $664 |
| Dallas | $6,915 | $576 |
| Fort Worth | $5,600 | $467 |
| San Antonio | $4,565 | $380 |
| Austin | $4,250 | $354 |
| El Paso | $2,520 | $210 |
Notice that two of the three highest-cost cities, Houston and Pasadena, are in Harris County. That’s home turf for us. If you live in Harris County, Fort Bend, Montgomery, or Waller County, rates in your ZIP code can swing a lot from one carrier to the next. That’s where comparing several carriers earns its keep.
Why Is Home Insurance So Expensive in Texas?
Texas gets hit by nearly every kind of severe weather, and rebuilding costs more than it used to.
Wind and hail lead the losses. Insurers paid $8.74 billion in Texas homeowners losses in 2025, and wind and hail have averaged 62% of those losses since 2019, according to the Texas Department of Insurance. Big storms in one part of the state affect pricing for everyone.
Rebuilding costs keep rising. Labor and building material costs have climbed sharply, which is part of why Texas sits among the most expensive states for home insurance. Roofing matters most here, since roofs take most of the hail damage.
Carriers pay more for their own protection. Insurers buy reinsurance to cover Texas hurricane and hail catastrophes, and that cost climbed sharply after 2022.
None of this is personal. If your premium went up and you’ve never filed a claim, you’re not alone. We break down why insurance premiums go up even with no claims.
The Hidden Cost: Your Wind and Hail Deductible
Here’s the part many Texans miss. Your premium isn’t your only cost. Your deductible is too.
Most Texas policies carry two deductibles: one for most claims, and a separate one for wind and hail. That second one is usually a percentage of your dwelling coverage, not a flat dollar amount. The typical Texas wind and hail deductible has moved from a flat $2,000 to 2% or more of the home’s value.
The math adds up quickly. On a home insured for $400,000, a 2% wind and hail deductible means the first $8,000 of storm damage is yours. Insurify data puts the average Texas wind and hail deductible at $7,761.
Our advice is simple. Know your exact wind and hail deductible before storm season, not after. If a lower percentage makes sense for your budget, ask what it would cost. Sometimes a slightly higher premium buys a lot more peace of mind.
What Affects Your Texas Home Insurance Rate
Every carrier weighs these a little differently. That’s exactly why quotes vary so much for the same house.
- Rebuild cost (dwelling limit). Higher coverage means a higher premium. It should match what it costs to rebuild, not what the home would sell for.
- Your ZIP code. Coastal exposure, hail history, and wildfire risk all factor in.
- Roof age and material. Older roofs cost more to insure, and some carriers settle older roofs at depreciated value.
- Credit-based insurance score. Texas allows it, and it’s a big factor. Texas homeowners with poor credit pay an average of $9,990 a year, about 69% more than those with good credit.
- Claims history. A recent claim, especially a wind or water claim, usually raises your rate.
- Deductible choices. Raising your deductibles lowers your premium, but it raises what you pay out of pocket after a storm.
- Home age and construction. Updated plumbing, wiring, and roofing usually help.
Coverage Gaps That Change the Math
A low quote isn’t a good deal if it leaves a hole you’ll fall into later. Watch for three Texas-specific gaps.
Flood isn’t included. Standard homeowners policies don’t cover flood damage, so you need a separate flood policy. In the Houston area, we think that’s non-negotiable for most families. Learn more about flood insurance, or read our guide on why flood insurance matters in Texas.
Some coastal homes need separate windstorm coverage. In certain coastal areas, insurers may not provide windstorm coverage at all. Those homeowners may need a policy from the Texas Windstorm Insurance Association, which requires one denial from a private insurer.
The FAIR Plan is a last resort. The Texas FAIR Plan Association covers homes that private insurers won’t. It requires proof of declines from at least two private insurers and pays claims on an actual cash value basis. If you’ve been told you can only get FAIR Plan coverage, it’s worth a second look with an agency that works with many carriers.
How to Lower Homeowners Insurance in Texas (Without Cutting Corners)
You can’t control the weather. But you can control a lot more of your premium than most people think.
- Compare multiple carriers at once. This is the biggest lever. An independent agency like ours can quote several A-rated carriers for the same home in one conversation.
- Bundle your home and car. Many carriers discount multi-policy households, so ask about pairing your home with auto insurance.
- Ask about impact-resistant roof credits. Texas carriers offer premium credits for roofing rated under UL Standard 2218, and Class 4 earns the largest credit. If you’re replacing a roof anyway, it’s worth pricing.
- Choose your deductibles on purpose. Don’t just accept the default. Run the numbers on both your all-perils and your wind and hail deductibles.
- Ask about safety discounts. Security systems, smoke detectors, and smart leak sensors can qualify for discounts, as can going several years without a claim.
- Review your policy every renewal. Rebuild costs change. So does each carrier’s appetite for your area.
One thing we won’t recommend: lowering your dwelling coverage below what it’d cost to rebuild just to save money. That’s not saving. It’s shifting the risk back onto your family.
Why Texas Families Work With Actsphere
Since 2015, Actsphere Insurance Group has helped Texas families protect their homes from our office in Pearland. As an independent insurance agency, we work with 25+ A-rated carriers. Instead of one company’s price, you see several options side by side, and we help you pick the coverage that fits your home.
When you become part of Actsphere, you become part of the family. We stay with you after the sale, including helping you through the claims process when you need it. Our team lives by four core values: Accountability, Commitment, Trust, and Stewardship. We treat your home, your policies, and your assets as if they were our own.
Stewardship is our policy. Real people, real help, really fast.
Frequently Asked Questions
How much is home insurance in Texas per month?
Most Texans pay roughly $290 to $490 a month. The low end reflects the TDI statewide average premium. The high end reflects a typical policy with $500,000 in dwelling coverage. Your own cost depends on your ZIP code, roof, credit, and coverage choices. With recent rate decreases, some new quotes may come in lower.
Why is home insurance so expensive in Texas?
Texas faces hurricanes, hail, tornadoes, flooding, and wildfires, and wind and hail alone have driven most homeowners’ losses since 2019. Higher labor and material costs make every claim more expensive too. Carriers price that risk into premiums statewide.
Is homeowners insurance required in Texas?
State law doesn’t require it, but if you have a mortgage, your lender almost certainly will. Even without a loan, most families couldn’t afford to rebuild after a total loss out of pocket. That’s why we strongly recommend keeping a policy in place.
What does Texas homeowners insurance cover?
A standard policy typically covers your home’s structure, other structures like fences and sheds, your belongings, extra living expenses if you’re displaced, and personal liability. Flood isn’t covered, and some coastal homes need separate windstorm coverage. For more detail, see what insurance you need for your home or rental property in Texas.
Who has the cheapest homeowners insurance in Texas?
There’s no single answer. It changes by ZIP code, home, and carrier appetite. In NerdWallet’s 2026 analysis, average rates for the same $300,000 sample home ranged from about $1,490 to over $5,200 depending on the insurer. The best value is the right coverage at a fair price, and comparing several carriers is how you find it.
Ready to Protect Your Home?
Important: Storm season is here. Get covered before disaster strikes.
Three Ways to Start:
- Call: (832)-956-1033 to talk to a licensed insurance team member now
- Text: Same number for quick questions
- Email: sales@actsphereins.com to get quotes today
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Stewardship is our policy. Since 2015, Actsphere Insurance Group has been a trusted insurance company, protecting businesses and families with access to 25+ carriers.
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