Home Insurance in Texas — Average Cost 2026
Average home insurance in Texas: $3,220/year ($268/month). Texas ranks #49 out of 51 states — above the national average.
Average annual
$3,220
Average monthly
$268
National rank
#49
of 51 states
vs national avg
+125.5%
Texas vs national average
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State averages are the starting point. Your actual rate depends on your individual profile. Use our calculator for a detailed estimate.
Why is home insurance expensive in Texas?
Texas faces elevated home insurance costs due to significant hurricane and wind storm exposure. Insurers price policies to account for the probability and severity of storm damage, which pushes premiums 125% above the national average in Texas.
Homeowners in Texas should note that standard homeowners policies may not cover flood damage — separate flood insurance through the NFIP or private carriers is typically required for comprehensive protection in hurricane-prone areas.