🏠 Home insurance cost in Houston, TX (2026)
Estimated average: $4,894 per year — +113% vs. the U.S. average of $2,300.
$4,894
Est. home insurance in Houston
per year
$4,370
Texas average
$2,300
U.S. average
2,314,157
Population
Estimate your home insurance in Houston
Houston home insurance estimator
Estimated$3,083/year
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.