Texas homeowners insurance calculator

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Homeowners insurance in Texas costs an average of $4,085 per year, though your actual premium will vary based on your home’s location, replacement cost, coverage limits, and deductible.

If you want an estimate to get a general idea about how much it costs to insure your property – our Texas homeowners insurance calculator shows how dwelling coverage, liability limits and deductible choices affect your premium, with rate comparisons across insurers and against the state average.

Whether you’re buying a home, reviewing your policy or shopping for a better rate, the calculator gives you a clearer picture of what to expect before you start getting quotes.

How can I lower my homeowners insurance premium in Texas?

Compare quotes from several insurers before committing – rates for identical coverage can vary more than you might expect.
Consider raising your deductible – accepting a higher out-of-pocket cost in a claim usually brings your annual premium down.
Bundle your home and auto policies with the same insurer to take advantage of multi-policy discounts.
Add safety features to your home, such as smoke detectors, deadbolt locks, or a security system – these can qualify you for additional savings.

How to use the Texas home insurance calculator

Our home insurance calculator is designed to produce a quick cost estimate for homeowners in Texas. Just enter a handful of details, and you’ll have a working figure to reference. Here’s what to input:

Select your state. Pick Texas to surface rates relevant to your location.
Enter your dwelling coverage amount. Base this on what it would realistically cost to rebuild your home from the ground up.
Choose your liability limit. This is the protection that covers you if a visitor is injured on your property or you cause damage to someone else’s belongings.
Set your deductible. This is the portion of any claim you’d cover yourself before your policy takes over.

After entering your information, the calculator will show you:

The average annual homeowners insurance rate in Texas
The highest and lowest rates in our dataset
A breakdown of insurers in Texas and their typical annual premiums

It’s a straightforward way to get a sense of your likely costs and identify which insurers are worth pursuing for a formal quote.

Texas home insurance calculator

See how the average annual home insurance rates vary with the options chosen.

State

Texas

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Dwelling coverage

Liability coverage

Deductible

$1,000 with 2% Hurricane deductible

Standard ($2500)Standard ($1000)$2,500 with 2% Hurricane deductible$1,000 with 2% Hurricane deductible

Average annual home insurance rates in
Texas

$4,085 Average rate

Average rate

$4,085/Yr

Lowest rate

$3,233/Yr

Highest rate

$5,268/Yr

Rates by carriers in Texas

Company	Average annual rate
USAA	$3,233
Farmers	$4,069
Progressive	$4,898
State Farm	$5,100
Nationwide	$5,268

Methodology

Insure.com commissioned Quadrant Information Systems to analyse home insurance rates from major insurers in the U.S. The analysis includes over 37 million quotes from 134 companies across more than 34,000 ZIP codes, using standardized coverage levels to calculate national averages. The homeowner profile is a 35-year-old married applicant with excellent insurance score; new business HO3 policy for house built in 2000 with frame construction and composition roof. Other Structures: 10%. Loss of Use defaulted: 10%. Guest Medical limit: $5,000. Deductible limit: $1,000. Personal property: 50% of dwelling coverage for replacement value

Key Takeaways

The average cost of homeowners insurance in Texas is $4,085 per year, more expensive than the national average of $2,612.
Your premium will vary based on your home’s location, age, size, rebuilding cost and the coverage limits you choose.
Standard homeowners policies don’t cover floods, earthquakes or other climate-related disasters – you’ll need separate coverage if you live in a high-risk area.
Rates vary significantly by insurer, so comparing quotes is one of the most effective ways to lower your premium.

What affects your homeowners insurance premium?

Several variables influence what you’ll pay, including your home’s location, age and construction type, your claims history, and the coverage options you choose.

Dwelling coverage. The estimated cost to rebuild your home, accounting for its size, materials, and local construction rates.
Liability coverage. Covers you financially if someone is hurt on your property or you cause accidental damage to another person’s property.
Deductible. What you contribute before your insurance pays out. A higher deductible lowers your premium, but increases your upfront costs when a claim arises.

Check your credit score

In some states, insurers use a credit-based insurance score as one of their pricing factors – and it can have a meaningful effect on your premium. Depending on where you live, keeping your credit in good shape by paying bills on time and managing debt levels can work in your favor when it comes to renewal time.

How does dwelling coverage affect homeowners insurance in Texas?

Dwelling coverage helps pay to repair or rebuild your home. The amount you choose will directly affect your insurance premium – higher coverage generally means higher premiums. Still, it’s important to select enough coverage to avoid paying high out-of-pocket costs if something happens to your home.

The table below shows the average annual and monthly premiums based on different dwelling coverage amounts.

Dwelling coverage	Average annual rate	Average monthly rate
$200,000	$3,118	$260
$300,000	$4,085	$340
$400,000	$5,049	$421
$600,000	$7,020	$585
$1,000,000	$10,751	$896

Average cost of homeowners insurance in Texas

The average cost of homeowners insurance in Texas is $4,085 per year – more expensive than the national average of $2,612.

That estimate is based on a standard policy with:

$300,000 in dwelling coverage
$300,000 in liability protection
$1,000 deductible

But remember – how much you actually pay could be higher or lower. Things like where your home is located, its age and size, and how much it would cost to rebuild all play a big role in what you’ll actually pay.

Average cost of home insurance in major Texas cities

Homeowners insurance isn’t priced the same across Texas. Rates in El Paso are among the most affordable in the state, while homeowners in Houston face significantly higher premiums.

The table below outlines average annual rates across major cities in Texas.

City	Average annual rate	Average monthly rate
Arlington	$4,486	$374
Austin	$2,822	$235
Corpus Christi	$3,751	$313
Dallas	$4,362	$363
El Paso	$2,616	$218
Fort Worth	$4,422	$369
Houston	$5,539	$462
Lubbock	$4,289	$357
Plano	$4,310	$359
San Antonio	$2,945	$245

Home insurance rates vary from one city to another. But with Insure.com, finding the right home insurance policy is easy. Learn more about homeowners insurance costs for different cities below.

Home insurance rates in Texas by city

See rates in your city

How do natural disasters affect homeowners insurance rates in Texas?

The natural hazard risk associated with your home’s location is a key factor in how insurers price your policy. Homes in areas with frequent flooding, wildfire activity, hurricanes, or tornadoes are considered higher risk and typically come with higher premiums as a result.

What’s equally important to understand is that standard home insurance policies don’t cover these events. Depending on where you live in Texas, you may need to purchase separate policies or endorsements for:

Flooding
Wildfires
Hurricanes
Tornadoes

The added cost of this coverage is real, but so is the financial exposure of going without it after a serious disaster.

What is a hurricane deductible, and how does it impact home insurance rates in Texas?

A hurricane deductible is a distinct deductible within your homeowners policy that applies only when hurricane damage is the cause of loss. Unlike a standard fixed-dollar or flat deductible, a hurricane deductible is calculated as a percentage of your dwelling coverage – often up to 10%.

The table below compares average rates with and without a 2% hurricane deductible applied. If hurricane damage is excluded from your policy and your home is in a storm-prone location, you could be responsible for the full cost of any hurricane-related repairs. Reviewing your policy details carefully is the best way to make sure your coverage reflects your actual risk.

Average rates with hurricane deductible	Average rates w/o hurricane deductible
$4,085	$4,754

What our expert says

Q: What additional coverage should homeowners buy?

Amy BachExecutive Director of United Policyholders

“For those who live near any body of water or at the base of a hill, get a quote for flood insurance.”

Frequently asked questions

What is the average cost of homeowners insurance in Texas?

Homeowners in Texas pay an average of $4,085 per year. Your individual premium will depend on your home’s location, construction type, age, replacement cost, and the coverage limits and deductible you choose.

How much homeowners insurance coverage do I need in Texas?

Dwelling coverage should be set at a level that would cover a complete rebuild of your home. For liability, choose a limit that adequately protects your financial assets if you’re held responsible for injury or property damage. Homeowners with considerable savings or valuable assets may want to consider higher limits or additional endorsements.

Does increasing my deductible lower homeowners insurance costs?

It does. A higher deductible shifts more of the initial claim cost to you, which allows insurers to offer a lower premium in return. Before raising your deductible, make sure the amount you’d owe in a claim is something you could realistically manage out of pocket.

Methodology

Insure.com commissioned home insurance rates from Quadrant Data Services in late 2025 for a homeowners insurance policy with dwelling coverage levels ranging from $200,000 – $1 million and liability coverage of $100,000 and $300,000. Sample rates were requested using a $1,000 deductible and a 2% hurricane deductible where applicable.

Calculate home insurance premium in other states

$1,397/Year

$3,633/Year

$3,733/Year

$2,344/Year

$1,616/Year

$4,963/Year

$1,905/Year

$1,656/Year

$1,374/Year

$7,136/Year

$2,323/Year

$659/Year

Show more states

Alisha Ambre

Alisha Ambre holds a Bachelor of Arts with honours in English Literature and Media Studies. She focuses on crafting clear, engaging content that makes complex information feel practical and approachable for everyday readers. When she’s not writing, she’s likely on the volleyball court or immersed in a good video game.