🏠 Home insurance cost in Houston, TX (2027)
Estimated average: $4,894 per year — +113% vs. the U.S. average of $2,300.
With about 2,314,157 residents, Houston is a major metro and the largest city in Texas. Home insurance rates here are estimated at $4,894 per year, above the Texas average of $4,370 — a gap driven by local factors like local weather and catastrophe risk, and rebuild costs. Below you can estimate a price for your own profile and compare Houston with other Texas cities.
Estimate your home insurance in Houston
Houston home insurance estimator
Starts from the Houston estimate. Get quotes to confirm your price.
Houston home insurance FAQ
How much is home insurance in Houston, TX?
The estimated average is $4,894 per year — above the state average (+12% vs. the Texas average of $4,370, and +113% vs. the U.S. average).
Is home insurance more expensive in Houston than elsewhere in Texas?
Houston has about 2,314,157 residents. Larger metro areas usually see higher rates due to traffic density, claim frequency, and repair costs. Compare nearby cities in the chart above.
How do I get the cheapest home insurance in Houston?
Compare at least three quotes from insurers active in Houston, ask about local discounts, and re-shop yearly. Use the calculator to estimate your own price first.