Texas Home Insurance
Texas's average cost, dominant risk, and a free replacement-cost estimate — no signup, no quote spam.
Avg. annual premium
$3,900/yr
Dominant risk
Hail, tornado & hurricane
Hazard tier
high
Estimate your Texas home insurance
Estimated annual home insurance
$2,867
Dwelling = sqft × rebuild cost. Doesn't include flood (NFIP) or earthquake (separate policies).
Texas home insurance: what to know
Texas faces hail, tornado, and Gulf hurricane risk all at once, making it one of the most expensive states for home insurance.
Because Texas is a high-hazard state for hail, tornado & hurricane, expect a separate wind/hail or catastrophe deductible and confirm whether you also need flood or earthquake coverage, which standard policies never include.
Texas home insurance FAQ
How much does home insurance cost in Texas?
Homeowners insurance in Texas averages roughly $3,900 per year, but your rate depends heavily on your home's rebuild cost, construction, claims history, and ZIP code. Use the estimator above and always compare at least three carriers.
What is the biggest home insurance risk in Texas?
The dominant natural risk in Texas is hail, tornado & hurricane. Texas faces hail, tornado, and Gulf hurricane risk all at once, making it one of the most expensive states for home insurance.
Does Texas home insurance cover floods and earthquakes?
No. Standard homeowners policies in Texas — like everywhere in the U.S. — exclude flood and earthquake damage. Flood coverage comes from a separate NFIP or private flood policy, and earthquake coverage requires a separate policy or endorsement. Given Texas's high-hazard profile, check whether you need either before a loss occurs.
How can I lower my home insurance in Texas?
Compare at least three carriers, bundle home and auto, and raise your deductible if you can cover it. In a high-hazard state, ask about wind/hail mitigation credits — a fortified roof, storm shutters, or impact glass can cut a hail, tornado & hurricane-driven premium meaningfully. Always insure to full replacement cost — under-insuring to save a few dollars backfires at claim time.