United States › Texas
Home insurance costs & natural hazards in Texas
Plain facts for Texas homeowners: what coverage has cost across the state, what flood insurance runs, and which natural hazards matter in each county.
See the numbersHistorical averages, not a quote. Updated Oct 2026.
Texas at a glance
Four numbers most homeowners ask about first.
$2,249
Typical home premium
Median ZIP code, per policy per year in 2022 (inflation-adjusted).
$1,107
Avg. flood policy
Single-family NFIP policies that took effect in 2025.
0.00%
Nonrenewal rate
Median ZIP in 2022. Typical U.S. ZIP: 0.81%.
16 of 254
Counties rated high
Counties FEMA rates relatively high or very high on its overall National Risk Index.
Texas in numbers
29.1M
residents (2020 Census)
4.5%
of policies had a paid claim (2022, median ZIP)
$17,585
average paid claim (2022, median ZIP)
510,610
single-family NFIP flood policies (2025)
What homeowners in Texas pay
Each block pairs a short explanation with the data behind it.
Homeowners insurance
U.S. Treasury FIO, HO-3/HO-5 policies, 2018–2022
The typical Texas ZIP code saw homeowners premiums of $2,249 per policy in 2022, 45% above the typical U.S. ZIP code ($1,551). After adjusting for inflation, that figure rose 2% between 2018 and 2022. The figures come from 1,510 Texas ZIP codes in Treasury's data.
Typical premium per policy
Inflation-adjusted dollars, median across ZIP codes
TexasU.S. typical ZIP
Flood insurance
FEMA NFIP single-family policies, 2022–2025
Standard home policies don't cover floods. 510,610 single-family NFIP policies took effect in Texas in 2025, at an average full cost of $1,107, compared with $817 in 2022. About 31% of those policies are for homes in high-risk A or V zones.
Average flood policy cost
Full cost incl. fees, by year the policy took effect
Policies by flood zone, 2025
510,610 policies
A zones 30%X/B/C zones 69%V zones 2%Other/unrated 0%
Natural hazards
FEMA National Risk Index, December 2025
Bars count how many of Texas's 254 counties FEMA rates relatively high or very high for each hazard. The most widespread are drought, tornado and lightning. Open any county for its full hazard profile.
Hazards across Texas's counties
Counties FEMA rates relatively high or very high
Texas counties
All 254 counties: typical premium (2022), average flood policy (2025) and FEMA's overall risk rating.
Typical home premium by county, 2022
Tap a county to open its page. White = not enough data.
under $1,962$1,962–$2,148$2,148–$2,365$2,365–$2,589$2,589+
| County | Premium | Flood | FEMA rating |
|---|---|---|---|
| Anderson County | $1,999 | $1,111 | Relatively Low |
| Andrews County | $2,419 | — | Very Low |
| Angelina County | $1,914 | $1,159 | Relatively Low |
| Aransas County | $1,812 | $1,511 | Relatively Low |
| Archer County | $2,637 | $775 | Very Low |
| Armstrong County | $2,766 | — | Very Low |
| Atascosa County | $1,743 | $1,022 | Relatively Low |
| Austin County | $2,463 | $1,027 | Relatively Low |
| Bailey County | $2,484 | $769 | Very Low |
| Bandera County | $2,244 | $1,389 | Relatively Low |
| Bastrop County | $1,967 | $1,297 | Relatively Moderate |
| Baylor County | $2,616 | $1,515 | Very Low |
| Bee County | $2,246 | $967 | Relatively Low |
| Bell County | $1,867 | $887 | Relatively Moderate |
| Bexar County | $1,771 | $992 | Relatively High |
| Blanco County | $2,453 | $1,235 | Very Low |
| Borden County | — | — | Very Low |
| Bosque County | $2,425 | $1,205 | Very Low |
| Bowie County | $2,004 | $866 | Relatively Low |
| Brazoria County | $2,036 | $1,113 | Relatively Moderate |
| Brazos County | $1,908 | $778 | Relatively Moderate |
| Brewster County | $1,834 | $968 | Very Low |
| Briscoe County | $2,380 | — | Very Low |
| Brooks County | $2,444 | $1,055 | Relatively Low |
| Brown County | $2,292 | $1,219 | Relatively Low |
| Burleson County | $1,710 | $774 | Very Low |
| Burnet County | $2,292 | $1,791 | Relatively Low |
| Caldwell County | $1,688 | $1,218 | Relatively Low |
| Calhoun County | $1,632 | $1,559 | Relatively Low |
| Callahan County | $2,346 | — | Very Low |
| Cameron County | $1,806 | $886 | Relatively High |
| Camp County | $2,402 | — | Very Low |
| Carson County | $2,683 | — | Very Low |
| Cass County | $2,038 | $958 | Relatively Low |
| Castro County | $2,489 | — | Very Low |
| Chambers County | $2,360 | $1,001 | Relatively Low |
| Cherokee County | $1,989 | $1,322 | Relatively Low |
| Childress County | $2,586 | — | Very Low |
| Clay County | $2,647 | $1,121 | Very Low |
| Cochran County | $2,481 | — | Very Low |
| Coke County | $2,115 | — | Very Low |
| Coleman County | $2,227 | $706 | Very Low |
| Collin County | $3,041 | $911 | Relatively High |
| Collingsworth County | $2,361 | $572 | Very Low |
| Colorado County | $2,485 | $1,129 | Relatively Low |
| Comal County | $2,057 | $1,413 | Relatively Moderate |
| Comanche County | $2,247 | $822 | Relatively Low |
| Concho County | $1,993 | — | Very Low |
| Cooke County | $2,773 | $1,240 | Relatively Low |
| Coryell County | $1,820 | $829 | Relatively Low |
| Cottle County | $2,595 | — | Very Low |
| Crane County | $2,270 | — | Very Low |
| Crockett County | $2,174 | $1,776 | Very Low |
| Crosby County | $2,538 | — | Very Low |
| Culberson County | $1,580 | — | Very Low |
| Dallam County | $2,296 | — | Relatively Low |
| Dallas County | $2,771 | $1,067 | Very High |
| Dawson County | $2,630 | $939 | Very Low |
| DeWitt County | $2,114 | $1,074 | Relatively Moderate |
| Deaf Smith County | $2,324 | — | Relatively Low |
| Delta County | $2,178 | — | Very Low |
| Denton County | $2,717 | $849 | Relatively High |
| Dickens County | $2,269 | — | Very Low |
| Dimmit County | $1,582 | $643 | Very Low |
| Donley County | $2,589 | — | Very Low |
| Duval County | $1,979 | $980 | Relatively Low |
| Eastland County | $2,320 | $1,193 | Very Low |
| Ector County | $2,352 | $747 | Relatively Moderate |
| Edwards County | $1,609 | — | Very Low |
| El Paso County | $1,298 | $694 | Relatively High |
| Ellis County | $2,257 | $1,114 | Relatively Moderate |
| Erath County | $2,489 | $1,051 | Relatively Low |
| Falls County | $1,962 | — | Very Low |
| Fannin County | $2,266 | $1,082 | Relatively Low |
| Fayette County | $2,387 | $1,101 | Relatively Low |
| Fisher County | $2,650 | — | Very Low |
| Floyd County | $2,631 | — | Very Low |
| Foard County | $2,700 | — | Very Low |
| Fort Bend County | $2,820 | $938 | Relatively High |
| Franklin County | $2,749 | $623 | Very Low |
| Freestone County | $2,008 | $833 | Relatively Low |
| Frio County | $1,756 | — | Relatively Low |
| Gaines County | $2,290 | — | Relatively Low |
| Galveston County | $1,529 | $1,389 | Relatively High |
| Garza County | $2,688 | — | Very Low |
| Gillespie County | $2,395 | $1,120 | Relatively Low |
| Glasscock County | — | — | Very Low |
| Goliad County | $2,535 | $954 | Very Low |
| Gonzales County | $2,104 | $1,540 | Relatively Moderate |
| Gray County | $2,683 | — | Relatively Low |
| Grayson County | $2,454 | $1,079 | Relatively Low |
| Gregg County | $2,079 | $1,108 | Relatively Moderate |
| Grimes County | $2,190 | $883 | Relatively Low |
| Guadalupe County | $1,792 | $1,750 | Relatively Moderate |
| Hale County | $2,561 | $603 | Relatively Low |
| Hall County | $2,618 | — | Very Low |
| Hamilton County | $2,197 | — | Very Low |
| Hansford County | $2,670 | — | Very Low |
| Hardeman County | $2,730 | — | Very Low |
| Hardin County | $2,485 | $940 | Relatively Low |
| Harris County | $2,702 | $1,107 | Very High |
| Harrison County | $2,091 | $1,160 | Relatively Low |
| Hartley County | — | — | Very Low |
| Haskell County | $2,599 | $674 | Very Low |
| Hays County | $2,312 | $1,233 | Relatively Moderate |
| Hemphill County | $3,042 | — | Very Low |
| Henderson County | $2,318 | $1,063 | Relatively Moderate |
| Hidalgo County | $1,740 | $671 | Relatively High |
| Hill County | $2,147 | $1,141 | Relatively Low |
| Hockley County | $2,441 | $607 | Relatively Low |
| Hood County | $2,746 | $1,117 | Relatively Low |
| Hopkins County | $2,218 | $886 | Relatively Low |
| Houston County | $1,846 | $870 | Relatively Low |
| Howard County | $2,355 | $709 | Relatively Low |
| Hudspeth County | — | — | Very Low |
| Hunt County | $2,335 | $1,155 | Relatively Moderate |
| Hutchinson County | $2,682 | — | Relatively Low |
| Irion County | $2,519 | — | Very Low |
| Jack County | $2,479 | — | Very Low |
| Jackson County | $2,784 | $1,126 | Relatively Low |
| Jasper County | $2,228 | $1,087 | Relatively Low |
| Jeff Davis County | $1,915 | — | Very Low |
| Jefferson County | $2,088 | $1,063 | Relatively High |
| Jim Hogg County | $1,965 | $1,096 | Relatively Low |
| Jim Wells County | $2,259 | $735 | Relatively Moderate |
| Johnson County | $2,285 | $1,031 | Relatively Moderate |
| Jones County | $2,432 | $1,036 | Very Low |
| Karnes County | $2,052 | $1,057 | Relatively Low |
| Kaufman County | $2,241 | $1,010 | Relatively Low |
| Kendall County | $2,493 | $1,229 | Relatively Low |
| Kenedy County | — | — | Very Low |
| Kent County | — | — | Very Low |
| Kerr County | $2,261 | $1,541 | Relatively Low |
| Kimble County | $2,080 | $1,567 | Very Low |
| King County | — | — | Very Low |
| Kinney County | $1,744 | — | Very Low |
| Kleberg County | $2,230 | $995 | Relatively Moderate |
| Knox County | $2,555 | — | Very Low |
| La Salle County | $1,731 | — | Very Low |
| Lamar County | $2,080 | $844 | Relatively Low |
| Lamb County | $2,367 | — | Relatively Low |
| Lampasas County | $1,948 | $959 | Very Low |
| Lavaca County | $2,227 | $1,219 | Relatively Low |
| Lee County | $2,040 | $908 | Very Low |
| Leon County | $2,037 | $1,021 | Relatively Low |
| Liberty County | $2,430 | $859 | Relatively Low |
| Limestone County | $1,987 | $1,088 | Relatively Low |
| Lipscomb County | $2,575 | $1,118 | Very Low |
| Live Oak County | $2,212 | $1,281 | Very Low |
| Llano County | $2,279 | $1,897 | Relatively Low |
| Loving County | — | — | Very Low |
| Lubbock County | $2,433 | $901 | Relatively High |
| Lynn County | $2,757 | — | Very Low |
| Madison County | $1,948 | $878 | Very Low |
| Marion County | $2,134 | $908 | Very Low |
| Martin County | $2,525 | — | Very Low |
| Mason County | $2,201 | $1,056 | Very Low |
| Matagorda County | $1,968 | $1,492 | Relatively Low |
| Maverick County | $1,449 | $789 | Relatively Low |
| McCulloch County | $2,208 | — | Very Low |
| McLennan County | $2,017 | $938 | Relatively Moderate |
| McMullen County | — | $1,213 | Very Low |
| Medina County | $2,029 | $1,103 | Relatively Low |
| Menard County | $1,938 | $1,047 | Very Low |
| Midland County | $2,393 | $849 | Relatively Moderate |
| Milam County | $1,963 | $609 | Relatively Low |
| Mills County | $2,137 | — | Very Low |
| Mitchell County | $2,387 | — | Very Low |
| Montague County | $2,720 | $1,037 | Relatively Low |
| Montgomery County | $2,140 | $980 | Relatively High |
| Moore County | $2,148 | $406 | Relatively Low |
| Morris County | $2,001 | $892 | Very Low |
| Motley County | — | — | Very Low |
| Nacogdoches County | $1,892 | $953 | Relatively Low |
| Navarro County | $1,999 | $1,060 | Relatively Low |
| Newton County | $1,971 | $901 | Very Low |
| Nolan County | $2,388 | $918 | Very Low |
| Nueces County | $2,060 | $1,216 | Relatively High |
| Ochiltree County | $2,867 | — | Very Low |
| Oldham County | $2,548 | — | Very Low |
| Orange County | $2,921 | $1,299 | Relatively Moderate |
| Palo Pinto County | $2,939 | $1,097 | Relatively Low |
| Panola County | $1,975 | $530 | Relatively Low |
| Parker County | $2,623 | $1,156 | Relatively Moderate |
| Parmer County | $2,484 | — | Relatively Moderate |
| Pecos County | $2,113 | — | Very Low |
| Polk County | $2,132 | $1,167 | Relatively Low |
| Potter County | $2,383 | $640 | Relatively Moderate |
| Presidio County | $1,704 | $754 | Very Low |
| Rains County | $2,230 | $822 | Very Low |
| Randall County | $2,654 | $944 | Relatively Moderate |
| Reagan County | $2,511 | — | Very Low |
| Real County | $1,991 | $1,471 | Very Low |
| Red River County | $1,957 | — | Relatively Low |
| Reeves County | $1,900 | — | Very Low |
| Refugio County | $2,492 | $933 | Very Low |
| Roberts County | $2,900 | — | Very Low |
| Robertson County | $1,926 | $911 | Very Low |
| Rockwall County | $2,629 | $1,001 | Relatively Low |
| Runnels County | $2,294 | — | Very Low |
| Rusk County | $1,979 | $904 | Relatively Low |
| Sabine County | $2,009 | — | Very Low |
| San Augustine County | $1,858 | $884 | Very Low |
| San Jacinto County | $2,083 | $1,151 | Relatively Low |
| San Patricio County | $1,945 | $964 | Relatively Moderate |
| San Saba County | $1,881 | $1,197 | Very Low |
| Schleicher County | $2,365 | — | Very Low |
| Scurry County | $2,587 | — | Very Low |
| Shackelford County | $2,966 | $807 | Very Low |
| Shelby County | $1,931 | $894 | Relatively Low |
| Sherman County | $2,587 | — | Very Low |
| Smith County | $2,139 | $938 | Relatively Moderate |
| Somervell County | $2,819 | $1,806 | Very Low |
| Starr County | $1,606 | $929 | Relatively Moderate |
| Stephens County | $2,390 | $844 | Very Low |
| Sterling County | $2,478 | — | Very Low |
| Stonewall County | $2,566 | — | Very Low |
| Sutton County | $2,273 | $1,076 | Very Low |
| Swisher County | $2,585 | $584 | Very Low |
| Tarrant County | $2,604 | $915 | Relatively High |
| Taylor County | $2,425 | $809 | Relatively Moderate |
| Terrell County | $1,920 | — | Very Low |
| Terry County | $2,420 | $463 | Relatively Low |
| Throckmorton County | $2,668 | — | Very Low |
| Titus County | $2,096 | $789 | Relatively Low |
| Tom Green County | $2,249 | $844 | Relatively Low |
| Travis County | $1,956 | $1,121 | Relatively High |
| Trinity County | $1,886 | $619 | Relatively Low |
| Tyler County | $2,052 | $1,018 | Relatively Low |
| Upshur County | $2,053 | $924 | Relatively Low |
| Upton County | $2,157 | — | Very Low |
| Uvalde County | $1,901 | $1,281 | Relatively Low |
| Val Verde County | $1,680 | $1,243 | Relatively Low |
| Van Zandt County | $2,272 | $1,084 | Relatively Low |
| Victoria County | $2,684 | $777 | Relatively Moderate |
| Walker County | $2,017 | $1,135 | Relatively Low |
| Waller County | $2,321 | $902 | Relatively Low |
| Ward County | $2,066 | — | Very Low |
| Washington County | $2,884 | $869 | Relatively Low |
| Webb County | $1,576 | $736 | Relatively Moderate |
| Wharton County | $2,843 | $965 | Relatively Moderate |
| Wheeler County | $2,889 | — | Very Low |
| Wichita County | $2,615 | $975 | Relatively Moderate |
| Wilbarger County | $2,966 | $483 | Relatively Low |
| Willacy County | $2,219 | $948 | Relatively Low |
| Williamson County | $1,904 | $956 | Relatively Moderate |
| Wilson County | $1,925 | $1,140 | Relatively Low |
| Winkler County | $2,238 | — | Very Low |
| Wise County | $2,651 | $1,245 | Relatively Low |
| Wood County | $2,157 | $898 | Relatively Low |
| Yoakum County | $2,568 | $1,300 | Relatively Low |
| Young County | $2,737 | $787 | Very Low |
| Zapata County | $1,619 | $773 | Very Low |
| Zavala County | $1,704 | $918 | Relatively Low |
ZIP codes with the most flood policies
Practical next steps
Simple things Texas homeowners can do with this information.
Plan for heat and dry spells. Long dry periods can stress foundations and landscaping. Regular checks of your HVAC system and foundation can catch small problems before they become claims.
Look at your roof. Hail and wind claims often come down to the roof. Impact-resistant (Class 4) shingles can earn discounts in some states, and knowing your roof's age helps when you compare policies.
Create defensible space. Clearing dry brush and debris within 30 feet of the house and using ember-resistant vents can lower wildfire exposure. Some insurers and states recognize mitigation work with discounts.
Ask about wind mitigation credits. Features like hurricane straps, a newer roof and impact-rated windows or shutters can lower premiums. Ask your insurer which upgrades earn a discount and what paperwork it needs.
Historical averages, not a quote. Homeowners figures are inflation-adjusted averages from the U.S. Treasury Federal Insurance Office "Supporting Underlying Metrics" (2018–2022, published January 2025). They cover HO-3/HO-5 policies from participating private insurers and exclude state residual-market plans (such as FAIR plans and Citizens), surplus-lines and flood coverage. Treasury notes that individual ZIP codes can contain data anomalies. Your price depends on your home, coverage and insurer.
Sources: U.S. Treasury FIO; FEMA OpenFEMA NFIP Redacted Policies v3 (data as of Sep 8, 2026); FEMA National Risk Index (December 2025); U.S. Census Bureau ZCTA-to-county relationship file (2020) and county adjacency file; GeoNames place names. How we calculate these numbers.
This product uses the FEMA OpenFEMA API and National Risk Index data, but is not endorsed by FEMA. The Federal Government or FEMA cannot vouch for the data or analyses derived from these data after the data have been retrieved from the Agency's website(s). SafeHomeFacts is independent and not affiliated with the U.S. Treasury, FEMA or any insurer.