Texas Homeowners Insurance
Texas homeowners pay $1,937 a year for homeowners insurance on average. That's 65% above the roughly $1,172 national average. That makes Texas the 4th-most-expensive state for homeowners insurance in the country. Second highest premiums nationally; enormous geographic diversity means coastal hurricane, inland tornado/hail, and flood risk. The main factors driving that number are Hurricanes, Hail, Tornadoes, Flooding and Wind. Flood risk is high here, and flood damage is excluded from every standard HO-3 policy — a separate NFIP or private flood policy is worth pricing before you skip it. Homeowners insurance isn't legally mandated in Texas, but any mortgage lender will require it as a condition of the loan. Texas also runs Texas FAIR Plan, a state-backed option for homeowners who can't find coverage in the standard private market.
Key Risk Factors in Texas
- –Impact-resistant windows and a wind mitigation inspection can qualify you for a hurricane/wind discount with most carriers.
- –Impact-resistant (Class 4) roofing shingles typically qualify for a discount and hold up far better in hail.
- –A safe room or storm shelter built to FEMA P-320 spec is eligible for a premium credit with several carriers.
- –An elevation certificate can lower NFIP flood premiums significantly if your home sits above the base flood elevation.
Coverage Checklist for TX Homeowners
- checkStandard HO-3 policy covering dwelling, personal property, and liability.
- checkSeparate flood policy (NFIP or private) — flood is excluded from all standard home policies.
- checkPersonal umbrella policy ($1M+) to protect assets beyond your HO-3 liability limits.
Official Texas Insurance Regulator
For consumer complaints, rate comparisons, and homeowners insurance guides straight from the source, visit the Texas Department of Insurance.
Compare Quotes for Texas
Affiliate links. No additional cost to you.