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Texas

Homeowners insurance in Texas: rates, insurers, regulators and new rules.

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Texas

Texas home insurance: the largest state market, led by State Farm; hail and hurricanes drive high premiums, and TWIA and the FAIR Plan are the backstops.

Homeowners premiums (2025)$20.48 billion
Largest insurerState Farm (19.66% of 2025 premiums)
Insurer of last resortTexas FAIR Plan Association (TFPA), statewide, for homeowners declined by at least two insurers
Insurance department512-676-6000

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