Home insurance in Texas.
Home insurance in Texas is among the most expensive in the nation, the result of facing nearly every major peril: Gulf hurricanes, tornadoes, and some of the worst hail in the country.
Texas at a glance
Avg. premium
$2,397/yr
NAIC 2022, HO-3
vs. national
53% above
U.S. avg $1,569/yr
Main cost driver
Hurricanes, tornadoes & hail
What pushes rates here
Home insurance in Texas is among the most expensive in the nation, the result of facing nearly every major peril: Gulf hurricanes, tornadoes, and some of the worst hail in the country.
How much does home insurance cost in Texas?
The average homeowner in Texas pays $2,397per year for home insurance, that's 53% above the U.S. national average of $1,569/yr. Your own rate depends on your home's rebuild cost, age, construction, location, and claims history.
Texas vs the national average
53% above the national average of $1,569/yr.
Source: NAIC (2022). Average annual premium for owner-occupied HO-3 homeowners policies.
What drives home insurance costs in Texas
The state leads the nation in billion-dollar weather disasters. Coastal homes carry hurricane deductibles, inland homes face tornado and hail risk, and flooding is excluded statewide.
What home insurance covers
A standard Texashomeowners (HO-3) policy bundles several coverages. Note what's not included, flood and earthquake always require separate policies.
| Coverage | What it covers | In a standard policy? |
|---|---|---|
| Dwelling (Coverage A) | The structure of your home itself | Core coverage |
| Other structures (B) | Detached garages, fences, sheds | Included |
| Personal property (C) | Your belongings, furniture, electronics, clothes | Included |
| Liability (E) | Injuries to others or damage you’re responsible for | Included |
| Loss of use (D) | Living expenses if your home is uninhabitable | Included |
| Flood / earthquake | Flood and quake damage | Excluded, separate policy |
Homeowners insurance is not legally mandated, but mortgage lenders require it for the life of your loan.
How to lower your home insurance in Texas
Rates for the same home can vary widely between insurers in Texas, so comparing several quotes is the most effective way to save. A few other ways to lower your premium:
- Raise your deductible if you can cover it in a claim
- Bundle home and auto insurance with one carrier
- Harden your home against local risks (impact-resistant roof, storm shutters, defensible space) for discounts
- Improve security, alarms, smoke detectors, water-leak sensors
- Avoid small claims so you keep claims-free discounts
Average premium data last verified June 6, 2026. Source: NAIC. Figures are statewide averages, your quote will differ based on your specific home.
05 / FAQ
Texas home insurance FAQs.
Common questions about homeowners insurance in Texas.
06 / Get Started
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