Texas home insurance
Every figure below is sourced and dated. Estimates only — not quotes, and not offers of coverage.
Home insurance premium estimator
What homeowners insurance costs in your state, and whether what you pay is out of line.
Replacement cost calculator
Is your dwelling coverage actually enough to rebuild — and what a shortfall costs at claim time.
Deductible comparison
What a higher deductible really saves, how long it takes to pay off, and what a storm deductible actually costs.
Renewal increase check
Did your renewal go up more than premiums did across your state — and what to do about it.
Full coverage check
All six limits on your policy against what the standard form and regulators say to expect — including the liability limit nobody looks at.
Texas at a glance
- Average premium
- $4,643/ yr
- At $300,000 of dwelling coverage.
- Standard deductible
- $1,000
- Applies to everyday claims.
- Storm deductible — separate, and much larger
- $6,000(2% of coverage)
- What you would pay out of pocket on $300,000 of coverage before a storm claim pays anything — not the $1,000 above.
- Insurer of last resort
- Texas Windstorm Insurance Association (TWIA) and Texas FAIR Plan Association (TFPA)
- Texas runs a dual residual market, and the two halves do different jobs. TWIA (https://www.twia.org/) is the coastal windstorm and hail pool, writing wind-and-hail-only coverage in the 14 first-tier coastal counties - Aransas, Brazoria, Calhoun, Cameron, Chambers, Galveston, Jefferson, Kenedy, Kleberg, Matagorda, Nueces, Refugio, San Patricio, and Willacy - plus parts of Harris County east of Highway 146, specifically property inside the city limits of La Porte, Morgan's Point, Pasadena, Seabrook, and Shore Acres. It is the larger and more consequential entity: about 286,251 policies in force and $127.1 billion of exposure as of Q1 2026. TWIA's board filed for NO rate change for 2026 in both residential and commercial lines, a rare year of stability on the coast, after its 2026 rate adequacy analysis found current rates adequate by 9% residential and 4% commercial. TFPA (https://www.texasfairplan.org/) is the general FAIR Plan, authorized by the Legislature in 1995 and implemented by the Commissioner in December 2002 after the mold crisis drove carriers out of the state. TFPA writes for applicants with no current residential policy who have been declined by at least two insurers; it pays actual cash value by default, caps dwelling coverage at $1 million, and EXCLUDES wind and hail in the 14 coastal counties and the covered part of Harris County, because that is TWIA's territory. TFPA is administered by TWIA. TFPA enrollment has been rising as private carriers pull back from higher-risk parts of the state.
Last updated 2026-08-28. How we source every figure