The Texas Department of Insurance has launched a set of public data tools showing average home insurance premiums in every county, insurer claim payouts and a searchable index of rate filings, announced June 22, giving consumers new visibility into one of the nation’s most expensive insurance markets.
The release covers a market with about 8.2 million active residential policies and $19.75 billion in direct written premium in 2025. The average Texas homeowners premium rose from $1,961 in 2019 to $3,291 in 2024, a 68% increase, according to TDI’s statistical plan data. The Federal Reserve Bank of Dallas reported in April that the median Texas homeowner paid 60% more for coverage in 2024 than in 2019 — double the national pace.
The new resources include a losses-by-county page showing insurers paid $8.74 billion in 2025 for wind and hail, water, fire, theft, liability and vandalism claims; a market overview page with average annual premiums for every county from 2019 to 2025; and a rate-filing search that lets consumers see whether their home or auto insurer has filed a rate change.
“By putting this information online, we’re strengthening transparency and giving Texans a clearer picture of the claims being paid and premium amounts where they live,” Insurance Commissioner Amanda Crawford said in the agency’s announcement.
Texas insurers must file rates with TDI before using them under Chapter 2251 of the Insurance Code, and the agency reviews filings for compliance with state law. Those filings were previously public through the national SERFF filing system, which requires users to navigate an industry-oriented database. The new pages consolidate the data in consumer-facing form.
The numbers show a market cooling from its post-pandemic spike. Statewide homeowners rates rose 21.1% in 2023 and 18.7% in 2024 before slowing to 4.3% in 2025, according to TDI filing data. The average filed rate request in May 2026 was 3.5%.
The Dallas Fed attributes the surge to hail and storm losses, higher construction costs and reinsurance repricing, and found insurance now consumes 14.9% of housing costs for Texas owners without a mortgage. Texas premiums rank among the nation’s fastest-rising, a trend lawmakers examined during the 2025 legislative session and that has drawn continued scrutiny this year.
Hurricane season losses through November will feed into next year’s filings, and insurance affordability is expected to return to the agenda when the 90th Legislature convenes Jan. 12, 2027. In the meantime, the county-level premium map and rate-filing search are live on TDI’s site.