Homeowners Insurance in Texas

The average Texas homeowners premium is $2,864 a year (NAIC) — ▲ +65% versus the U.S. average of $1,737, ranking 2nd of 51.

These are estimates, not quotes. Home figures are modeled from NAIC state averages, Census home values and FEMA hazard ratings for comparison only. Real premiums depend on the insurer, the home, its roof and claims history. We are not an insurance company or agency. How we estimate

Average homeowners and renters insurance in Texas

Homeowners (HO-3)

$2,864

NAIC average / year

Renters (HO-4)

$201

U.S. $173

Median home value

$283,800

Census ACS

FEMA expected loss rating

Relatively High

all natural hazards

NAIC averages cover standard owner-occupied (HO-3) policies. Premiums scale with the cost to rebuild, so Texas's median home value of $283,800 and its exposure to wind, hail and wildfire explain much of the difference from other states.

Natural hazard risk in Texas

FEMA National Risk Index — expected annual loss by hazard (state level)
Hazard	Expected loss rating	Score	Expected annual loss
Hail	Very High	100.0	$834,928,781
Tornado	Very High	100.0	$2,368,553,543
Hurricane	Relatively High	91.3	$1,273,624,383
Inland (river) flooding	Relatively High	98.2	$4,941,422,497
Coastal flooding	Relatively Moderate	59.5	$17,379,972
Wildfire	Relatively High	84.3	$126,057,441
Earthquake	Relatively Low	44.6	$48,289,271
Winter weather	Very High	100.0	$33,691,828
Strong wind	Very High	98.1	$190,063,218
Lightning	Very High	98.1	$127,777,473

Standard homeowners policies exclude flood and earthquake; both need separate coverage. Wind and hurricane damage is covered but often with a separate percentage deductible in coastal states.

Home Insurance Estimator

Estimated annual premium

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Per month

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Estimated homeowners insurance by city

For a home at each city's median value, standard frame construction and a $1,000 deductible. The lowest estimate is in Marshall ($1,495) and the highest in Southlake ($8,135).

City	Median home value	Median year built	Hail / wind	Est. premium
Houston	$277,800	1982	Relatively Moderate / Very High	$2,925
San Antonio	$235,700	1985	Very High / Relatively High	$2,500
Dallas	$320,700	1981	Very High / Very High	$3,265
Fort Worth	$303,000	1994	Very High / Relatively Moderate	$3,095
Austin	$555,300	1994	Very High / Relatively High	$4,895
El Paso	$184,500	1984	Very High / Relatively High	$1,950
Arlington	$304,700	1986	Very High / Relatively Moderate	$3,110
Corpus Christi	$210,400	1982	Relatively Moderate / Relatively High	$2,210
Plano	$465,900	1993	Very High / Relatively High	$4,195
Lubbock	$212,400	1984	Very High / Very High	$2,235
Laredo	$193,500	1997	Relatively Moderate / Relatively Moderate	$1,900
Irving	$315,600	1986	Very High / Very High	$3,225
Garland	$270,800	1978	Very High / Very High	$2,850
Frisco	$642,100	2009	Very High / Relatively High	$5,420
McKinney	$471,800	2007	Very High / Relatively High	$4,235
Grand Prairie	$295,500	1992	Very High / Very High	$3,060
Amarillo	$196,900	1973	Relatively High / Relatively High	$2,010
Brownsville	$139,900	1995	Relatively High / Relatively High	$1,580
Denton	$348,200	1997	Very High / Relatively High	$3,355
Killeen	$215,400	1996	Relatively High / Relatively Moderate	$2,260
Mesquite	$245,700	1983	Very High / Very High	$2,640
Pasadena	$209,600	1977	Relatively Moderate / Very High	$2,335
McAllen	$190,400	1995	Very High / Relatively High	$2,140
Waco	$221,700	1979	Relatively Moderate / Relatively Moderate	$2,265
Midland	$319,200	1989	Relatively High / Relatively Moderate	$2,890
Lewisville	$378,500	1997	Very High / Relatively High	$3,585
Carrollton	$381,000	1988	Very High / Relatively High	$3,605
Round Rock	$418,600	2002	Relatively High / Relatively Moderate	$3,725
Abilene	$183,700	1975	Very High / Relatively Moderate	$1,875
Pearland	$356,300	2003	Relatively Low / Relatively Moderate	$3,145
College Station	$346,700	1999	Relatively Moderate / Relatively High	$3,235
Odessa	$223,100	1980	Relatively High / Relatively High	$2,220
League City	$360,000	2003	Relatively Low / Relatively Moderate	$3,205
Richardson	$431,400	1986	Very High / Very High	$4,140
New Braunfels	$339,400	2006	Relatively High / Relatively Moderate	$3,135
Conroe	$309,600	2006	Relatively Moderate / Relatively High	$3,100
Allen	$464,100	2003	Very High / Relatively High	$4,180
Beaumont	$166,400	1978	Relatively Low / Relatively High	$1,835
Tyler	$235,300	1978	Relatively Moderate / Relatively High	$2,345
Sugar Land	$430,200	1994	Relatively Moderate / Relatively High	$3,740
Edinburg	$189,600	2003	Very High / Relatively High	$2,135
Wichita Falls	$156,800	1972	Relatively High / Relatively Moderate	$1,640
Georgetown	$429,100	2008	Relatively High / Relatively Moderate	$3,800
San Angelo	$187,600	1978	Relatively High / Relatively Low	$1,865
Temple	$239,000	1991	Relatively High / Relatively Moderate	$2,455
Bryan	$227,800	1991	Relatively Moderate / Relatively High	$2,310
Longview	$202,600	1978	Relatively High / Relatively High	$2,100
San Marcos	$310,400	2001	Relatively High / Relatively High	$2,975
Harlingen	$140,600	1988	Relatively High / Relatively High	$1,590
Victoria	$207,100	1980	Relatively Low / Relatively Low	$1,855
Galveston	$326,000	1973	Relatively Low / Relatively Moderate	$2,960
Lufkin	$179,600	1981	Relatively Low / Relatively High	$1,790
Nacogdoches	$186,000	1981	Relatively Low / Relatively High	$1,915
Southlake	$1,014,500	1997	Very High / Relatively Moderate	$8,135
Katy	$401,700	2003	Relatively Moderate / Very High	$3,930
Marshall	$141,400	1969	Relatively Moderate / Relatively Moderate	$1,495
Palestine	$166,000	1976	Relatively Low / Relatively High	$1,660

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Frequently asked questions

How much is homeowners insurance in Texas?

NAIC data puts the average Texas homeowners (HO-3) premium at $2,864 a year, ranking 2nd of 51 (1 = most expensive). The national average is $1,737.

How much is renters insurance in Texas?

The NAIC average renters (HO-4) premium in Texas is $201 a year.

What natural hazards affect home insurance in Texas?

FEMA's National Risk Index rates Texas relatively high or very high for expected annual losses from hail, tornado, hurricane, inland (river) flooding, wildfire, winter weather, strong wind, and lightning. Standard homeowners policies exclude flood and earthquake, which need separate coverage.

Does homeowners insurance cover floods in Texas?

No. Standard homeowners policies exclude flood damage. Flood coverage is sold separately through the National Flood Insurance Program (NFIP) or private insurers.

How we estimate this

We start from the NAIC average homeowners (HO-3) premium for the state, scale it by the ratio of the home value to the state median home value (Census ACS), adjust for construction type and deductible, and apply a hazard factor from FEMA National Risk Index scores for the county relative to the state. Results are rounded estimates, not quotes. Read the full methodology.

Sources used on this page