🏠 Home insurance cost in Texas (2026)
The estimated average is $4,370 per year — above the national average (+90% vs. the U.S. average of $2,300).
Texas is home to about 30.5 million people, and home insurance here runs above the national average. Below, estimate a price for your own profile, then drill into your city — rates in a large metro like Houston typically differ from smaller towns.
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Texas home insurance estimator
Starts from the Texas average. Estimate only — get quotes to confirm.
Home insurance cost in Texas cities
| City | Population | Est. home insurance |
|---|---|---|
| Houston | 2,314,157 | $4,894 |
| San Antonio | 1,495,295 | $4,894 |
| Dallas | 1,302,868 | $4,894 |
| Austin | 979,882 | $4,720 |
| Fort Worth | 978,468 | $4,720 |
| El Paso | 678,815 | $4,720 |
| Arlington | 394,602 | $4,545 |
| Corpus Christi | 316,239 | $4,545 |
| Plano | 285,494 | $4,545 |
| Lubbock | 263,930 | $4,545 |
| Laredo | 255,205 | $4,545 |
| Garland | 242,507 | $4,370 |
Texas home insurance FAQ
How much is home insurance in Texas?
The estimated average home insurance in Texas is $4,370 per year, which is above the national average (+90% vs. the U.S. average of $2,300). Texas ranks 5 of 51 states from most to least expensive.
Why is home insurance expensive in Texas?
Home insurance pricing in Texas reflects local risk factors — weather and catastrophe exposure, accident/claim frequency, repair and medical costs, and state regulation. That’s why costs differ across the South.
How can I save on home insurance in Texas?
Compare at least three quotes from insurers active in Texas, bundle policies, and re-shop every year. Use the calculator above to see how your profile changes the price.