Insurance
Homeowners Insurance in Texas
Published September 24, 2026 · Last updated October 1, 2026
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The short answer
Homeowners insurance in Texas often costs more than in most states, mostly because of hail, wind, and hurricanes. Many Texas policies have a separate wind and hail deductible that can run into the thousands. And if you live on the coast, your regular policy may not cover wind at all.
Comparing quotes is the best way to find a price and deductible that work for you.
Texas homeowners paid about $2,397 a year on average in 2022, the third-highest in the country. Your price may be very different. It depends on your zip code, your roof, and the deductible you choose.
How fast Texas prices have climbed
The Texas Comptroller, using a different data set, found the average Texas premium rose from $1,987 in 2020 to $2,803 in 2023. The jump in 2023 alone was 18.1%. The same report estimated that 9.5% of Texas homeowners, about 1.1 million households, had no home insurance at all. If you own your home outright, going without may be tempting. But one hailstorm or fire could cost far more than years of premiums.
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Do you need homeowners insurance in Texas?
Texas law doesn't require homeowners insurance. But if you have a mortgage, your lender will require it. The lender needs the house covered until the loan is paid off.
If your coverage lapses, your lender may buy a policy for you and add it to your payment. That's called force-placed insurance. It usually costs more and mainly protects the lender.
What's different in Texas
Hail is a big deal
Hail is one of the top reasons Texans file home insurance claims. A single storm can damage roofs, siding, and windows across a whole neighborhood. That's a big reason Texas prices are high.
Wind and hail deductibles
Most Texas policies have a separate deductible for wind and hail. A deductible is what you pay on a claim before insurance pays. This one is often a percent of your home's coverage, not a flat dollar amount.
Here's how that works. With a 2% wind and hail deductible on a home insured for $300,000, you'd pay the first $6,000 of a hail claim. Always ask for your deductible in dollars before you buy.
Coastal homes and TWIA
In 14 coastal counties and parts of Harris County, many regular policies leave out wind and hail. The Texas Windstorm Insurance Association (TWIA) steps in there. It sells wind and hail coverage to people who can't get it elsewhere.
The 14 counties are Aransas, Brazoria, Calhoun, Cameron, Chambers, Galveston, Jefferson, Kenedy, Kleberg, Matagorda, Nueces, Refugio, San Patricio, and Willacy. If you live there, you may need two policies: one regular policy and one TWIA policy for wind and hail.
The Texas FAIR Plan
If regular insurers turn you down, the Texas FAIR Plan Association may be an option. It's a backup for people who can't find coverage anywhere else. To qualify, at least two companies must have turned you down. You can't buy it directly. You apply through a licensed Texas agent.
Foundation and mold coverage are add-ons
Texas soil shifts, and slab foundations crack. A standard policy usually won't pay for foundation damage on its own. TDI's home insurance guide lists damage to foundations or slabs and mold removal as extra coverages you can ask to add. If you have a slab foundation, ask what your policy covers when a plumbing leak under the slab causes damage.
Roof coverage may pay less than you think
Some Texas policies pay actual cash value on older roofs. Actual cash value takes off for age and wear. So a 15-year-old roof may get a much smaller payout than a new one would cost. Replacement cost pays what it costs to replace the roof today. Ask which one you're getting.
What changes your price in Texas
- Your zip code. Hail alley, the coast, and some cities cost more.
- Your roof. A newer or impact-resistant roof may lower your price.
- Your deductible. A higher wind and hail deductible lowers your price, but raises what you pay after a storm.
- Your home's rebuild cost. Bigger homes and costly materials mean higher coverage.
- Your claims history. Recent claims can raise your rate.
Prices change a lot from one Texas city to the next. The quickest way to know your price is to get a quote.
How to find the best home insurance in Texas
The best company is the one that covers your home well, charges a fair price, and pays claims on time. Here's how to check.
Use HelpInsure.com. The Texas Department of Insurance runs a free site called HelpInsure.com. It shows sample rates from many large insurers in your area. It also shows each company's complaint index.
Read the complaint index. A complaint index compares a company's complaints to other companies its size. A number above 1.0 means more complaints than average. Below 1.0 means fewer.
Compare the same coverage. The cheapest home insurance in Texas may come with a huge wind and hail deductible or a roof that only gets actual cash value. Line up the dwelling limit, deductibles, and roof coverage before you choose.
Bundle if it helps. Many providers give a discount when you buy home and Texas auto insurance together. Get both quotes to see if it saves you money.
Texas homeowners insurance laws you should know
Claim deadlines. Texas law sets deadlines for your insurer. It must acknowledge your claim and start looking into it within 15 days. After it has everything it needs, it has 15 business days to approve or deny your claim in writing. It can take up to 45 more days if it tells you why. Once approved, it must pay within 5 business days. After a disaster, the state can add 15 days to these deadlines.
TWIA has its own clock. If your wind or hail claim is with TWIA, it has 60 days to accept or deny it and 10 days to pay once it accepts.
You must pay your own deductible. Texas law says a roofer or contractor can't waive your deductible or promise to rebate it. If one offers, that's a red flag.
Nonrenewal notice is now 60 days. If you bought or renewed your policy in 2024 or later, your insurer must give you 60 days' notice before it refuses to renew. For older policies, it was 30 days.
Claims that can cost you your policy. An insurer can refuse to renew you if you file three or more claims in three years that aren't weather-related. The first two water damage claims from an appliance don't count, as long as you fixed the damage and it passed inspection.
Credit alone can't sink you. Some Texas insurers use your credit score to set your price. But a company can't turn you down based only on your credit.
Your right to help. If you have a problem with a claim, you can file a free complaint with the Texas Department of Insurance.
What to ask before you choose
- Does this policy cover wind and hail, or do I need TWIA?
- What is my wind and hail deductible in dollars?
- Is my roof covered at replacement cost or actual cash value?
- Which discounts do I qualify for, like an impact-resistant roof or bundling?
- Do I need flood insurance? Standard policies don't cover floods.
Related services
Live in the Houston area? See homeowners insurance in Houston. Storm damage? Get roofing quotes or try the roof cost calculator. You can also compare renters insurance, landlord insurance, and umbrella insurance.
More home insurance guides: Homeowners insurance cost · Condo insurance · Renters insurance · Landlord insurance · Mobile home insurance · Flood insurance · Umbrella insurance · How much homeowners insurance you need · Renters insurance basics · How to get renters insurance · All insurance
Homeowners insurance in more states: Michigan · Arizona · North Carolina · Pennsylvania · Illinois · Massachusetts · New Jersey · Indiana · Colorado · Alabama · Louisiana · South Carolina · Virginia · Maryland · Oklahoma · Wisconsin · Utah · Maine · Minnesota · Arkansas · Hawaii · Missouri · Tennessee
More Texas guides: Texas car insurance · Texas roofing laws · Texas home equity loans · Texas cash-out refinance · Houston homeowners insurance · Houston car insurance · Houston roof replacement · Dallas homeowners insurance · Dallas car insurance · San Antonio car insurance · Austin car insurance · Fort Worth car insurance · San Antonio homeowners insurance
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Related services
Renters Insurance
Compare renters coverage options for an apartment or rental home.
Condo Insurance
Explore condo coverage options alongside your association policy.
Landlord Insurance
Explore coverage options for a property you rent out.
Flood Insurance
Explore flood coverage, which standard home policies usually exclude.
Sources
- NAIC homeowners report (2022 data), via Insurance Information Institute
- Texas Department of Insurance, Coastal Texans can turn to TWIA for hail, windstorm coverage
- Texas Department of Insurance, Roofing and insurance: Know the law
- Texas Department of Insurance, Consumer Bill of Rights: Homeowners
- Texas Department of Insurance, Texas FAIR Plan Association overview
- HelpInsure.com (Texas Department of Insurance and Office of Public Insurance Counsel)
- Texas Department of Insurance, Home insurance guide
- Texas Comptroller, Fiscal Notes: Home insurance premiums complicate housing affordability (2024)