What is the average cost of homeowners insurance in Texas?

Home insurance* in Texas costs an average of $1,706 per year for a Kin policy with $300,000 in dwelling coverage. 

Rates here are higher than the national average, in part due to frequent and costly weather events. In addition to hurricanes along the Gulf Coast, severe thunderstorms, hailstorms, tornadoes, and wildfires all increase the risk of property damage. Texas has also been experiencing rising rebuilding costs due to inflation, which can push premiums even higher.

That said, you could pay more or less than average for coverage since insurers price individual policies based on a range of factors specific to you and your home. These include your credit history, previous claims you’ve filed, and the coverage and deductibles you choose, as well as your home’s age, condition, building materials, and more.

How much is homeowners insurance in Texas?

On average, Texas home insurance costs $142 per month, or $1,706 per year, for Kin policyholders with $300,000 in dwelling coverage. However, these are just averages. Your actual costs will differ.

Higher-value homes require higher dwelling coverage limits, which lead to more expensive premiums. Dwelling coverage, formally known as Coverage A, is the part of your policy that pays to repair or rebuild the physical structure of your home if it is damaged by a covered event, which insurers call a peril. Common examples of perils include fire, wind, and hail.

Your dwelling coverage amount is determined by your home’s replacement value — the cost of materials and labor needed to rebuild from the ground up. This is different from your home’s market value, which is the price a buyer might pay for the house and the land it sits on. Because your policy focuses on construction costs rather than real estate trends, your coverage should reflect what it would take to physically restore your home.

The table below shows how average homeowners insurance costs for Kin policyholders in Texas vary by dwelling coverage limit.

Average premiums for Kin home insurance customers as of February 2026. 

Average cost of home insurance in Texas by region

Location is another major factor affecting how much you’ll pay for home insurance in Texas. Because the state is so large, different regions face very different weather risks, from hurricanes along the Gulf Coast to tornadoes and hailstorms in North Texas. Insurers consider these regional hazards when pricing policies, and homeowners in higher-risk areas typically pay more for coverage.

The table below shows how regional risks can influence home insurance costs across Texas.

Notably, standard home insurance does not cover damage from all of the weather-related risks Texas homeowners may face. For instance, flood damage is typically not covered unless you’ve added an endorsement to your home policy or purchased separate flood insurance coverage. Wind and hail damage may also be excluded if you live along the coast. When wind and hail coverage is excluded from your home policy, you’ll need to buy a separate windstorm policy if you want to have coverage.

Home insurance in high-risk areas in Texas

Finding homeowners insurance in some parts of Texas can be challenging. From coastal storms along the gulf to hail and tornadoes in the north to wildfires throughout the state, some companies will not insure properties in certain areas due to the inherent risk. For homeowners facing denied, canceled, or nonrenewed coverage, Texas offers two state-backed programs to help those who cannot secure insurance on the open market:

• Texas FAIR Plan Association (TFPA): The FAIR Plan provides basic coverage for properties that are difficult to insure due to high risk or claims frequency. You must be rejected by at least two private insurers to be eligible for a policy with the TFPA.

• Texas Windstorm Insurance Association (TWIA): TWIA is a state-mandated insurer of last resort that provides windstorm and hurricane coverage for homeowners who have been turned down by at least one private insurer and whose home meets specific construction standards.

Factors that impact the cost of home insurance in Texas

Everything’s bigger in Texas, including homeowners premiums. Several factors contribute to Texas’s higher-than-average home insurance costs, including:

• Natural disasters: Because weather-related catastrophes are a common occurrence in Texas, insurers sometimes pay out more in claims than they collect in premiums. This imbalance is a primary reason why rates often climb in the years that follow.

• Rising rebuilding costs and inflation: Materials and labor costs are rising in Texas, combined with general inflation, making repairs and rebuilding homes more expensive. These higher costs are reflected in homeowners insurance premiums, particularly in high-demand areas like North Texas.

• Reinsurance challenges: Insurance companies buy reinsurance to help cover catastrophic losses. When reinsurance rates rise — as they often do after major disasters — insurers typically pass the cost on to homeowners through higher premiums.  

• Home age and construction: The average Texas home was built in 1990, but many homes in the northern and western parts of the Lone Star State are 80 years or older. Older homes or homes not built to modern codes may have outdated wiring, plumbing, or roofs, increasing the risk of damage and claims. 

• Claims history and regional losses: Insurers look at your personal claim history and any past claims filed on your specific home. They also track how often your neighbors file claims, as a high number of local losses can signal a higher risk for your area.

How to lower the cost of home insurance in Texas

Although the cost of home insurance in Texas can be expensive, there are steps you can take to potentially lower your premium.

• Shop around and compare quotes: Quotes can vary widely from insurer to insurer, even for the same home. Shopping around with different companies helps ensure you find the best coverage at the lowest cost. 

• Increase your deductible: Opting for a higher deductible can lower your home insurance premium. But before you do, make sure you can comfortably cover the higher out-of-pocket expense if you have to file a claim.

• Bundle policies: Many insurers offer discounts when you combine homeowners with car insurance or other types of coverage, which can reduce overall costs.

• Hardening your home: Making upgrades to mitigate the risk of damage from natural disasters — like installing impact-resistant roofing or windows, hurricane straps, storm shutters, reinforced doors, and more — may help you secure lower insurance premiums. 

Frequently asked questions

What is the average monthly cost of homeowners insurance in Texas?

The average cost of home insurance in Texas for Kin policyholders is $142 monthly for $300,000 in dwelling coverage. Your actual cost may be higher or lower depending on your home’s location, age, condition, construction type, square footage, claims history, and the coverage limits and deductibles you choose. 

Why is homeowners insurance so expensive in Texas?

Homeowners insurance tends to be more expensive in Texas because the state faces frequent severe weather, including hurricanes, hailstorms, and tornadoes. These events drive up how many claims are filed and how expensive payouts are. Rising construction and rebuilding costs, inflation, and higher reinsurance prices also contribute to higher premiums. 

Do I need flood insurance in Texas?

Standard homeowners insurance does not cover flooding, and flood damage is common and expensive. Experts recommend that homeowners consider purchasing flood coverage, especially if you live at or near sea level, near a river, or on the coast. 

While flood insurance is not required by law, mortgage lenders may require it as a condition of your loan, particularly for homes in high-risk flood zones. Flood insurance is available through some private insurers or the National Flood Insurance Program (NFIP). Private companies may offer broader coverage and cheaper premiums than the NFIP. 

Are hurricanes covered by Texas home insurance?

Many standard homeowners policies in Texas cover damage from hurricanes, including damage to your home and belongings caused by wind and rain. However, in high-risk coastal areas, windstorm (hurricane) damage may be excluded. In those instances, homeowners can purchase separate wind and hail coverage through the Texas Windstorm Insurance Association. Importantly, damage from hurricane-related flooding will not be covered unless homeowners also carry flood insurance.

Are tornadoes covered by Texas home insurance?

Yes, tornado damage is typically covered under a standard Texas home insurance policy. This includes damage from high winds, hail, and related debris. Coverage does not include flooding caused by rain from tornadoes. Importantly, standard homeowners policies in high-risk areas like the Gulf Coast might also exclude damage caused by wind, including tornadoes. Homeowners here may need separate windstorm insurance, which can be obtained through private insurers or the Texas Windstorm Insurance Association.