Quick Answer — Home Insurance in Texas
Homeowners insurance in Texas costs about $6,854/year ($571/month) in 2026 — +93% above the U.S. average of $3,548 (MoneyGeek). Texas is one of the priciest states for homeowners insurance because it faces two perils at once: Gulf Coast hurricanes in the south and east, and severe hail and tornadoes across North Texas.
$6,854/yr
Texas average
$571/mo
Monthly estimate
+93%
vs US avg ($3,548)
Hurricanes + hail
Main cost driver
Texas is one of the priciest states for homeowners insurance because it faces two perils at once: Gulf Coast hurricanes in the south and east, and severe hail and tornadoes across North Texas. That combination keeps statewide premiums well above the national average.
Estimate your own premium by home value and coverage level
Open the Home Insurance Calculator →How Much Is Homeowners Insurance in Texas?
| Reference | Annual | Monthly |
|---|---|---|
| Texas average | $6,854 | $571 |
| U.S. national average | $3,548 | $296 |
| Most expensive state (Florida) | $10,240 | $853 |
| Cheapest of the major states (California avg) | $1,348 | $112 |
Average annual premiums are MoneyGeek 2026 figures for a standardized homeowner profile. Your rate varies by dwelling value, home age, roof, ZIP code, deductible, and claims history.
Why Homeowners Insurance Is Expensive in Texas
Texas is one of the priciest states for homeowners insurance because it faces two perils at once: Gulf Coast hurricanes in the south and east, and severe hail and tornadoes across North Texas. That combination keeps statewide premiums well above the national average.
How to Lower Your Home Insurance in Texas
- On the coast, price TWIA windstorm coverage separately and confirm what your standard policy excludes.
- Choose an impact-resistant roof for hail discounts in North Texas.
- Ask about separate, percentage wind/hail deductibles to cut the base premium.
- Compare at least three insurers each renewal, and bundle home with auto for a multi-policy discount.
Homeowners Insurance Cost in Other States
Home insurance is priced state by state, so costs swing widely. Compare Texas with other states:
Frequently Asked Questions
How much is homeowners insurance in Texas?
The average homeowners insurance premium in Texas is about $6,854 per year, or roughly $571 per month, in 2026 (MoneyGeek). That is +93% above the U.S. national average of $3,548. Your actual rate depends on your home's value, age, roof, location, and claims history.
Why is homeowners insurance expensive in Texas?
Texas is one of the priciest states for homeowners insurance because it faces two perils at once: Gulf Coast hurricanes in the south and east, and severe hail and tornadoes across North Texas. That combination keeps statewide premiums well above the national average.
How can I lower my homeowners insurance in Texas?
On the coast, price TWIA windstorm coverage separately and confirm what your standard policy excludes. Choose an impact-resistant roof for hail discounts in North Texas. Ask about separate, percentage wind/hail deductibles to cut the base premium.
Is home insurance required in Texas?
No state legally requires homeowners insurance, but your mortgage lender will require it as a condition of the loan. If you own the home outright it is optional, though going without coverage in Texas is a significant financial risk given local perils.