"Texas homeowners face some of the highest insurance costs in the nation, reflecting the state's broad exposure to hurricanes, flooding, tornadoes, and hailstorms. While national averages remain far lower, new data from the U.S. Census Bureau and the 2025 Climate Risk Report show that Texas households are under growing affordability pressure."
"According to the American Community Survey (ACS) data from the U.S. Census Bureau, Texas homeowners with a mortgage typically pay $2,000-$2,499 annually for homeowners insurance, while those without a mortgage average $1,500-$1,999. Overall statewide costs also fall into the $2,000-$2,499 range."
"Texas has 7,134,877 insured homeowner households in total-3,958,949 with a mortgage and 3,175,928 without. Among mortgaged owners, 319,894 pay less than $100 annually and 754,652 pay $4,000 or more. Among those without a mortgage, 942,598 pay less than $100 and 423,536 pay $4,000 or more."
Texas homeowners face high and rising insurance costs tied to exposure to hurricanes, flooding, tornadoes, and hailstorms. U.S. Census Bureau data show mortgage-holding Texas homeowners typically pay $2,000–$2,499 annually while homeowners without a mortgage average $1,500–$1,999; statewide costs fall into the $2,000–$2,499 range. Texas has 7,134,877 insured homeowner households with notable premium distribution differences by mortgage status. Neighboring states vary, with Louisiana, Oklahoma, and Kansas in high-cost brackets and Arkansas, Mississippi, and New Mexico more affordable. Climate hazards increase premiums in high-risk metros, with Miami and several Florida metros registering the highest national costs and Houston among the hardest hit.
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