Texas Home Insurance Rates Surge: 55.9% Increase Since 2020

The cost of home insurance in Texas remains notably high, marked by one of the largest premium increases nationwide. According to LendingTree's 2026 State of Home Insurance Report, Texas home insurance rates have surged by 55.9% since 2020, positioning the state fifth in average premium costs. Texans now face an average annual premium of $3,969, significantly surpassing the national average of $2,395.

Despite a minimal 0.6% increase in Texas premiums during 2025, lower than the U.S. average uptick of 6%, homeowners continue to grapple with substantial financial burdens. "Though premium increases in Texas have decelerated, the overall cost of home insurance remains significantly elevated compared to previous years," commented Lindsay Bishop, a home insurance expert with LendingTree. The state's homeowners still endure challenges due to prior significant rate hikes.

Nationwide, home insurance premiums have climbed 46.8% from 2020 to 2025. Some states, such as Colorado, experienced a 100.8% rise, indicating severe weather's impact on regional risk profiles. Conversely, West Virginia, Vermont, and Maine saw the smallest cumulative increases. This trend underscores the ongoing challenges and disparate impacts within the U.S. home insurance market, driven by regional risks and economic factors.