$2,185
Texas county average (2024)
183 of 254
Counties with data
$3,272
Highest: Martin
$1,171
Lowest: Zapata
Texas counties by home insurance cost
All 183 natively covered Texas counties, most expensive first (Escrow 2024). Click a column header to re-sort. “% of home value” is the annual premium divided by the county median home value.
| 1 | Martin | $3,272 | +50% | 1.23% |
| 2 | Refugio | $3,157 | +45% | 2.33% |
| 3 | Dallam | $3,048 | +40% | 1.95% |
| 4 | Aransas | $3,006 | +38% | 1.00% |
| 5 | Montague | $2,885 | +32% | 1.12% |
| 6 | Jack | $2,876 | +32% | 1.21% |
| 7 | Collin | $2,851 | +31% | 0.59% |
| 8 | Swisher | $2,842 | +30% | 2.70% |
| 9 | Denton | $2,826 | +30% | 0.64% |
| 10 | Rockwall | $2,809 | +29% | 0.68% |
| 11 | Jackson | $2,784 | +28% | 1.30% |
| 12 | Lamb | $2,767 | +27% | 2.55% |
| 13 | Lynn | $2,744 | +26% | 1.32% |
| 14 | Comanche | $2,738 | +26% | 1.14% |
| 15 | Cooke | $2,727 | +25% | 0.84% |
| 16 | Fort Bend | $2,710 | +24% | 0.71% |
| 17 | Wise | $2,708 | +24% | 0.72% |
| 18 | Frio | $2,664 | +22% | 1.53% |
| 19 | Stephens | $2,638 | +21% | 1.66% |
| 20 | Franklin | $2,635 | +21% | 0.81% |
| 21 | Carson | $2,625 | +21% | 1.56% |
| 22 | Palo Pinto | $2,617 | +20% | 0.91% |
| 23 | Parker | $2,588 | +19% | 0.58% |
| 24 | Ochiltree | $2,581 | +19% | 1.97% |
| 25 | Liberty | $2,571 | +18% | 1.07% |
| 26 | Ector | $2,568 | +18% | 1.01% |
| 27 | Gaines | $2,562 | +18% | 1.08% |
| 28 | Young | $2,555 | +17% | 1.42% |
| 29 | Fannin | $2,553 | +17% | 0.88% |
| 30 | Galveston | $2,537 | +16% | 0.79% |
| 31 | Red River | $2,532 | +16% | 1.44% |
| 32 | Yoakum | $2,499 | +15% | 1.33% |
| 33 | Morris | $2,499 | +15% | 1.56% |
| 34 | Orange | $2,497 | +15% | 1.30% |
| 35 | Hartley | $2,491 | +14% | 0.94% |
| 36 | Nolan | $2,479 | +14% | 2.02% |
| 37 | Goliad | $2,475 | +14% | 0.88% |
| 38 | Parmer | $2,463 | +13% | 1.42% |
| 39 | Brazoria | $2,460 | +13% | 0.75% |
| 40 | Leon | $2,458 | +13% | 0.80% |
| 41 | Midland | $2,450 | +12% | 0.74% |
| 42 | Deaf Smith | $2,446 | +12% | 1.36% |
| 43 | Matagorda | $2,437 | +12% | 1.16% |
| 44 | Hood | $2,437 | +12% | 0.64% |
| 45 | Wharton | $2,427 | +11% | 0.98% |
| 46 | Moore | $2,417 | +11% | 1.26% |
| 47 | Rains | $2,400 | +10% | 0.80% |
| 48 | Clay | $2,400 | +10% | 1.16% |
| 49 | Dawson | $2,385 | +10% | 2.13% |
| 50 | Montgomery | $2,383 | +9% | 0.69% |
| 51 | Wilbarger | $2,381 | +9% | 2.23% |
| 52 | Chambers | $2,381 | +9% | 0.68% |
| 53 | Eastland | $2,371 | +9% | 1.56% |
| 54 | Randall | $2,367 | +9% | 0.90% |
| 55 | Van Zandt | $2,361 | +8% | 0.83% |
| 56 | Hopkins | $2,354 | +8% | 0.90% |
| 57 | Erath | $2,352 | +8% | 0.68% |
| 58 | Bailey | $2,342 | +8% | 1.62% |
| 59 | Karnes | $2,334 | +7% | 1.06% |
| 60 | Archer | $2,332 | +7% | 0.94% |
| 61 | Hamilton | $2,332 | +7% | 0.85% |
| 62 | Lamar | $2,328 | +7% | 1.13% |
| 63 | Calhoun | $2,324 | +7% | 1.11% |
| 64 | Jones | $2,318 | +6% | 1.50% |
| 65 | Mitchell | $2,318 | +6% | 2.40% |
| 66 | San Patricio | $2,317 | +6% | 1.10% |
| 67 | Gray | $2,316 | +6% | 2.22% |
| 68 | Harris | $2,308 | +6% | 0.82% |
| 69 | Willacy | $2,306 | +6% | 1.32% |
| 70 | Kendall | $2,265 | +4% | 0.38% |
| 71 | Walker | $2,264 | +4% | 0.83% |
| 72 | Colorado | $2,263 | +4% | 0.75% |
| 73 | Somervell | $2,256 | +4% | 0.54% |
| 74 | Fayette | $2,255 | +4% | 0.49% |
| 75 | Potter | $2,247 | +3% | 1.47% |
| 76 | Hardin | $2,241 | +3% | 0.95% |
| 77 | Hutchinson | $2,238 | +3% | 1.78% |
| 78 | Lavaca | $2,233 | +3% | 0.75% |
| 79 | Waller | $2,231 | +2% | 0.61% |
| 80 | Freestone | $2,230 | +2% | 0.92% |
| 81 | Jefferson | $2,215 | +2% | 1.25% |
| 82 | Callahan | $2,214 | +2% | 1.00% |
| 83 | Washington | $2,210 | +1% | 0.59% |
| 84 | Gillespie | $2,208 | +1% | 0.43% |
| 85 | Jim Wells | $2,204 | +1% | 1.61% |
| 86 | Crane | $2,200 | +1% | 1.08% |
| 87 | Bosque | $2,196 | +1% | 0.89% |
| 88 | Kaufman | $2,196 | +1% | 0.73% |
| 89 | Runnels | $2,186 | 0% | 1.54% |
| 90 | Johnson | $2,182 | 0% | 0.63% |
| 91 | Henderson | $2,180 | 0% | 0.80% |
| 92 | Hockley | $2,178 | 0% | 1.31% |
| 93 | Ellis | $2,176 | 0% | 0.58% |
| 94 | Trinity | $2,168 | 0% | 1.21% |
| 95 | Lubbock | $2,160 | -1% | 1.00% |
| 96 | Austin | $2,160 | -1% | 0.50% |
| 97 | Victoria | $2,153 | -1% | 0.98% |
| 98 | Dallas | $2,153 | -1% | 0.69% |
| 99 | Robertson | $2,137 | -2% | 0.74% |
| 100 | Tarrant | $2,137 | -2% | 0.66% |
| 101 | Hill | $2,132 | -2% | 0.90% |
| 102 | Nueces | $2,129 | -2% | 0.93% |
| 103 | Polk | $2,129 | -2% | 1.16% |
| 104 | San Jacinto | $2,120 | -3% | 0.86% |
| 105 | Howard | $2,114 | -3% | 1.41% |
| 106 | Medina | $2,107 | -3% | 0.65% |
| 107 | Hunt | $2,104 | -3% | 0.76% |
| 108 | Burnet | $2,101 | -4% | 0.48% |
| 109 | Wichita | $2,090 | -4% | 1.21% |
| 110 | Taylor | $2,087 | -4% | 0.92% |
| 111 | Cass | $2,087 | -4% | 1.29% |
| 112 | Grimes | $2,083 | -4% | 0.58% |
| 113 | Madison | $2,080 | -4% | 0.72% |
| 114 | Grayson | $2,080 | -4% | 0.72% |
| 115 | Terry | $2,072 | -5% | 1.76% |
| 116 | Wilson | $2,067 | -5% | 0.51% |
| 117 | Navarro | $2,060 | -5% | 0.88% |
| 118 | Shelby | $2,060 | -5% | 0.91% |
| 119 | Live Oak | $2,057 | -6% | 0.93% |
| 120 | Andrews | $2,055 | -6% | 0.77% |
| 121 | Tyler | $2,049 | -6% | 1.15% |
| 122 | Pecos | $2,036 | -7% | 1.26% |
| 123 | Falls | $2,030 | -7% | 1.37% |
| 124 | Marion | $2,017 | -7% | 1.31% |
| 125 | Bowie | $2,015 | -7% | 1.06% |
| 126 | Uvalde | $2,005 | -8% | 1.01% |
| 127 | Titus | $1,998 | -8% | 0.88% |
| 128 | Lampasas | $1,996 | -8% | 0.63% |
| 129 | Jasper | $1,993 | -8% | 1.04% |
| 130 | Smith | $1,992 | -9% | 0.73% |
| 131 | Scurry | $1,988 | -9% | 1.40% |
| 132 | Brown | $1,979 | -9% | 1.05% |
| 133 | Lee | $1,971 | -10% | 0.55% |
| 134 | Ward | $1,969 | -10% | 1.00% |
| 135 | Hale | $1,962 | -10% | 1.61% |
| 136 | Bastrop | $1,952 | -10% | 0.54% |
| 137 | Wood | $1,948 | -11% | 0.70% |
| 138 | Cherokee | $1,934 | -11% | 0.83% |
| 139 | DeWitt | $1,916 | -12% | 0.85% |
| 140 | Gonzales | $1,912 | -12% | 0.72% |
| 141 | Cameron | $1,908 | -12% | 0.92% |
| 142 | Camp | $1,905 | -13% | 0.90% |
| 143 | Houston | $1,905 | -13% | 0.88% |
| 144 | Upshur | $1,902 | -13% | 0.79% |
| 145 | McCulloch | $1,895 | -13% | 1.17% |
| 146 | Caldwell | $1,892 | -13% | 0.66% |
| 147 | Kerr | $1,892 | -13% | 0.50% |
| 148 | Bee | $1,870 | -14% | 1.11% |
| 149 | Atascosa | $1,869 | -14% | 0.75% |
| 150 | Kleberg | $1,867 | -14% | 1.25% |
| 151 | Angelina | $1,860 | -15% | 0.90% |
| 152 | Blanco | $1,856 | -15% | 0.32% |
| 153 | Bandera | $1,851 | -15% | 0.54% |
| 154 | Limestone | $1,841 | -15% | 1.03% |
| 155 | Burleson | $1,832 | -16% | 0.67% |
| 156 | Hays | $1,815 | -17% | 0.49% |
| 157 | Brazos | $1,806 | -17% | 0.57% |
| 158 | Harrison | $1,800 | -17% | 0.86% |
| 159 | Nacogdoches | $1,796 | -18% | 0.80% |
| 160 | Llano | $1,796 | -18% | 0.39% |
| 161 | Coryell | $1,789 | -18% | 0.78% |
| 162 | Anderson | $1,764 | -19% | 0.80% |
| 163 | Rusk | $1,762 | -19% | 0.82% |
| 164 | Panola | $1,745 | -20% | 0.86% |
| 165 | Starr | $1,736 | -20% | 1.22% |
| 166 | Bell | $1,722 | -21% | 0.68% |
| 167 | Milam | $1,720 | -21% | 0.62% |
| 168 | Brewster | $1,717 | -21% | 0.73% |
| 169 | Newton | $1,712 | -21% | 1.12% |
| 170 | Gregg | $1,692 | -22% | 0.75% |
| 171 | Comal | $1,684 | -23% | 0.39% |
| 172 | Tom Green | $1,674 | -23% | 0.71% |
| 173 | Guadalupe | $1,643 | -25% | 0.55% |
| 174 | Hidalgo | $1,632 | -25% | 0.84% |
| 175 | Williamson | $1,620 | -26% | 0.40% |
| 176 | Travis | $1,573 | -28% | 0.33% |
| 177 | McLennan | $1,560 | -28% | 0.59% |
| 178 | Bexar | $1,535 | -30% | 0.60% |
| 179 | Val Verde | $1,436 | -34% | 0.68% |
| 180 | El Paso | $1,429 | -34% | 0.61% |
| 181 | Maverick | $1,322 | -39% | 0.59% |
| 182 | Webb | $1,270 | -42% | 0.58% |
| 183 | Zapata | $1,171 | -46% | 0.92% |
Free to reuse with attribution (CC BY 4.0).
Methodology
Each county figure is the median annual homeowners insurance payment for owner-occupied homes with a mortgage escrow account, from data compiled by Benjamin Keys and Philip Mulder in NBER Working Paper 32579 (premiums through 2024). The Texas average is a simple mean of the covered counties.
Escrow data reflects mortgaged, owner-occupied homes, so a few counties can be absent, and we publish only counties with a natively measured value. For the full methodology and the national picture, see the national home insurance by county report.
Cite or reuse this data
This dataset is offered under a Creative Commons Attribution 4.0 license (CC BY 4.0). Journalists and researchers are free to reuse the tables and the CSV in stories, charts, and reports, including commercially, as long as HearthMap is credited with a link. See the license page and the press kit.
Suggested citation
HearthMap, "Homeowners Insurance Costs by County in Texas (2024)," https://hearthmap.app/home-insurance-by-county/texas. Based on Keys and Mulder, NBER Working Paper 32579.
Home insurance in Texas: frequently asked questions
- What is the average cost of homeowners insurance in Texas?
- The average homeowners insurance premium in Texas was $2,185 per year in 2024, a simple mean across the 183 counties with mortgage-escrow data (Keys-Mulder, NBER Working Paper 32579).
- Which Texas county has the cheapest home insurance?
- Zapata had the lowest average homeowners insurance premium in Texas at $1,171 per year in 2024.
- Which Texas county has the most expensive home insurance?
- Martin had the highest average homeowners insurance premium in Texas at $3,272 per year in 2024.
- How many Texas counties are in this dataset?
- 183 of 254 Texas counties have a natively measured premium from mortgage-escrow data. Counties without enough escrowed mortgages are not shown.
Related
- Cheapest counties for home insurance in Texas
- Home insurance by county, nationwide
- Interactive map of homeowners insurance cost
- Texas cost of living, schools & demographics
Home insurance by county in other states:
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