Look up your county in the table below to see recent rate changes submitted by major carriers. The rate changes in the table reflect how much additional premium the company expects to earn in that county. What this means for your rate will vary depending on your home's construction and age, your claims history, the coverage you select, and other factors. Contact your agent or company for information about how your rates may change.
Texas Homeowners Rate Change Information by County
| State Farm Lloyds |
Allstate Texas Lloyd's |
Texas Farmers Insurance Co. |
|
|
| Effective Date for Rate Change - New Business |
9/1/09 |
7/13/2009 |
6/16/2009 |
| Effective Date for Rate Change - Renewal Business |
10/1/09 |
8/27/2009 |
6/16/2009 |
| Statewide Average Rate Change |
8.5% |
9.2% |
9.9% |
| Anderson |
7.0% |
6.1% |
2.2% |
| Andrews |
9.0% |
6.1% |
8.8% |
| Angelina |
7.0% |
6.2% |
2.2% |
| Aransas |
24.0% |
5.5% |
10.3% |
| Archer |
8.0% |
5.9% |
0.8% |
| Armstrong |
0.0% |
6.1% |
0.5% |
| Atascosa |
16.0% |
6.5% |
12.8% |
| Austin |
0.0% |
14.4% |
15.4% |
| Bailey |
14.0% |
6.2% |
13.8% |
| Bandera |
16.0% |
6.6% |
14.0% |
| Bastrop |
0.0% |
6.5% |
15.4% |
| Baylor |
8.0% |
6.1% |
0.8% |
| Bee |
10.0% |
6.3% |
12.8% |
| Bell |
0.0% |
6.2% |
9.8% |
| Bexar |
0.0% |
6.4% |
3.9% - 14.3% |
| Blanco |
0.0% |
6.4% |
9.8% |
| Borden |
14.0% |
6.6% |
13.8% |
| Bosque |
22.0% |
6.2% |
9.4% |
| Bowie |
12.0% |
6.1% |
1.1% |
| Brazoria |
19.0% |
6.7% |
10.3% |
| Brazos |
0.0% |
6.3% |
15.4% |
| Brewster |
12.0% |
6.5% |
8.8% |
| Briscoe |
14.0% |
6.1% |
0.5% |
| Brooks |
10.0% |
6.4% |
12.8% |
| Brown |
22.0% |
6.2% |
8.8% |
| Burleson |
0.0% |
6.3% |
15.4% |
| Burnet |
0.0% |
6.5% |
9.8% |
| Caldwell |
0.0% |
6.5% |
10.0% |
| Calhoun |
24.0% |
5.5% |
10.3% |
| Callahan |
0.0% |
6.1% |
0.8% |
| Cameron |
24.0% |
5.5% |
10.3% |
| Camp |
12.0% |
6.1% |
1.1% |
| Carson |
0.0% |
6.0% |
0.5% |
| Cass |
12.0% |
6.0% |
1.1% |
| Castro |
14.0% |
6.0% |
0.5% |
| Chambers |
19.0% |
5.6% |
18.9% |
| Cherokee |
7.0% |
6.2% |
2.2% |
| Childress |
14.0% |
6.2% |
0.5% |
| Clay |
8.0% |
6.0% |
0.8% |
| Cochran |
14.0% |
6.2% |
13.8% |
| Coke |
9.0% |
6.4% |
8.8% |
| Coleman |
0.0% |
6.2% |
8.8% |
| Collin |
12.0% |
6.0% |
2.3% |
| Collingsworth |
0.0% |
5.9% |
0.5% |
| Colorado |
0.0% |
13.5% |
15.4% |
| Comal |
0.0% |
6.7% |
10.0% |
| Comanche |
22.0% |
6.2% |
9.8% |
| Concho |
0.0% |
6.1% |
8.8% |
| Cooke |
0.0% |
6.1% |
2.3% |
| Coryell |
0.0% |
6.2% |
9.8% |
| Cottle |
14.0% |
6.0% |
13.8% |
| Crane |
9.0% |
6.1% |
8.8% |
| Crockett |
12.0% |
6.6% |
8.8% |
| Crosby |
14.0% |
6.2% |
13.8% |
| Culberson |
12.0% |
6.2% |
8.8% |
| Dallam |
0.0% |
6.0% |
0.5% |
| Dallas |
19.0% |
6.0% |
1.6% - 19.2% |
| Dawson |
14.0% |
6.0% |
13.8% |
| De Witt |
0.0% |
13.5% |
10.0% |
| Deaf Smith |
0.0% |
5.9% |
0.5% |
| Delta |
12.0% |
6.2% |
1.1% |
| Denton |
12.0% |
5.9% |
2.3% |
| Dickens |
14.0% |
6.2% |
13.8% |
| Dimmit |
16.0% |
6.7% |
14.0% |
| Donley |
0.0% |
6.2% |
0.5% |
| Duval |
16.0% |
11.6% |
12.8% |
| Eastland |
22.0% |
6.2% |
0.8% |
| Ector |
9.0% |
6.2% |
8.8% |
| Edwards |
16.0% |
6.6% |
14.0% |
| El Paso |
0.0% |
7.0% |
16.9% |
| Ellis |
7.0% |
6.1% |
1.1% |
| Erath |
22.0% |
6.1% |
9.8% |
| Falls |
0.0% |
6.4% |
9.4% |
| Fannin |
12.0% |
6.2% |
1.1% |
| Fayette |
0.0% |
6.7% |
15.4% |
| Fisher |
14.0% |
6.2% |
13.8% |
| Floyd |
14.0% |
6.1% |
13.8% |
| Foard |
8.0% |
6.2% |
0.8% |
| Fort Bend |
0.0% |
16.4% |
9.4% - 19.9% |
| Franklin |
12.0% |
6.3% |
1.1% |
| Freestone |
7.0% |
6.1% |
9.4% |
| Frio |
16.0% |
6.4% |
14.0% |
| Gaines |
14.0% |
6.1% |
13.8% |
| Galveston |
24.0% |
9.0% |
18.9% |
| Garza |
14.0% |
6.2% |
13.8% |
| Gillespie |
0.0% |
6.5% |
9.8% |
| Glasscock |
9.0% |
6.2% |
8.8% |
| Goliad |
10.0% |
6.4% |
12.8% |
| Gonzales |
0.0% |
15.8% |
10.0% |
| Gray |
0.0% |
6.1% |
0.5% |
| Grayson |
12.0% |
6.2% |
2.3% |
| Gregg |
7.0% |
6.2% |
2.2% |
| Grimes |
7.0% |
7.3% |
15.4% |
| Guadalupe |
0.0% |
6.5% |
10.0% |
| Hale |
14.0% |
6.2% |
13.8% |
| Hall |
14.0% |
6.2% |
0.5% |
| Hamilton |
22.0% |
6.2% |
9.8% |
| Hansford |
0.0% |
6.1% |
0.5% |
| Hardeman |
8.0% |
6.0% |
0.8% |
| Hardin |
4.0% |
14.4% |
6.7% |
| Harris |
0.0% |
15.6% |
7.8% - 19.9% |
| Harris |
22.0% |
15.6% |
7.8% - 19.9% |
| Harrison |
12.0% |
6.2% |
2.2% |
| Hartley |
0.0% |
6.0% |
0.5% |
| Haskell |
8.0% |
6.0% |
0.8% |
| Hays |
0.0% |
6.4% |
9.8% |
| Hemphill |
0.0% |
5.7% |
0.5% |
| Henderson |
7.0% |
6.1% |
2.2% |
| Hidalgo |
10.0% |
6.5% |
8.8% |
| Hill |
22.0% |
6.2% |
9.4% |
| Hockley |
14.0% |
6.0% |
13.8% |
| Hood |
22.0% |
6.1% |
13.8% |
| Hopkins |
12.0% |
6.1% |
1.1% |
| Houston |
7.0% |
6.2% |
15.6% |
| Howard |
9.0% |
6.1% |
8.8% |
| Hudspeth |
12.0% |
6.4% |
8.8% |
| Hunt |
12.0% |
6.1% |
1.1% |
| Hutchinson |
0.0% |
6.0% |
0.5% |
| Irion |
9.0% |
6.1% |
8.8% |
| Jack |
0.0% |
6.1% |
0.8% |
| Jackson |
10.0% |
7.6% |
10.3% |
| Jasper |
7.0% |
10.4% |
6.7% |
| Jeff Davis |
12.0% |
6.7% |
8.8% |
| Jefferson |
19.0% |
5.5% |
18.9% |
| Jim Hogg |
16.0% |
11.2% |
12.8% |
| Jim Wells |
10.0% |
6.4% |
12.8% |
| Johnson |
22.0% |
6.0% |
1.1% |
| Jones |
8.0% |
6.0% |
0.8% |
| Karnes |
0.0% |
11.5% |
10.0% |
| Kaufman |
12.0% |
6.0% |
1.1% |
| Kendall |
0.0% |
6.5% |
10.0% |
| Kenedy |
24.0% |
5.5% |
10.3% |
| Kent |
14.0% |
6.4% |
13.8% |
| Kerr |
16.0% |
6.6% |
10.0% |
| Kimble |
0.0% |
6.4% |
8.8% |
| King |
14.0% |
6.1% |
13.8% |
| Kinney |
16.0% |
6.5% |
14.0% |
| Kleberg |
24.0% |
5.5% |
10.3% |
| Knox |
8.0% |
6.0% |
0.8% |
| La Salle |
16.0% |
6.5% |
14.0% |
| Lamar |
12.0% |
6.0% |
1.1% |
| Lamb |
14.0% |
6.2% |
13.8% |
| Lampasas |
0.0% |
6.1% |
9.8% |
| Lavaca |
0.0% |
15.0% |
12.8% |
| Lee |
0.0% |
6.4% |
15.4% |
| Leon |
7.0% |
6.0% |
9.4% |
| Liberty |
4.0% |
14.8% |
6.7% |
| Limestone |
7.0% |
6.3% |
9.4% |
| Lipscomb |
0.0% |
5.9% |
0.5% |
| Live Oak |
10.0% |
6.5% |
12.8% |
| Llano |
0.0% |
6.5% |
9.8% |
| Loving |
12.0% |
6.3% |
8.8% |
| Lubbock |
14.0% |
6.1% |
13.8% |
| Lynn |
14.0% |
6.0% |
13.8% |
| Madison |
7.0% |
6.1% |
15.4% |
| Marion |
12.0% |
6.3% |
2.2% |
| Martin |
9.0% |
6.1% |
8.8% |
| Mason |
0.0% |
6.5% |
8.8% |
| Matagorda |
24.0% |
5.8% |
10.3% |
| Maverick |
16.0% |
6.3% |
14.0% |
| McCulloch |
0.0% |
6.1% |
8.8% |
| McLennan |
-5.0% |
6.1% |
9.8% |
| McMullen |
16.0% |
11.6% |
12.8% |
| Medina |
16.0% |
6.7% |
14.0% |
| Menard |
0.0% |
6.6% |
8.8% |
| Midland |
9.0% |
6.0% |
8.8% |
| Milam |
0.0% |
6.3% |
9.4% |
| Mills |
22.0% |
6.1% |
9.8% |
| Mitchell |
9.0% |
6.3% |
8.8% |
| Montague |
0.0% |
6.1% |
0.8% |
| Montgomery |
0.0% |
14.0% |
7.9% - 14.8% |
| Moore |
0.0% |
6.0% |
0.5% |
| Morris |
12.0% |
6.1% |
1.1% |
| Motley |
14.0% |
5.8% |
13.8% |
| Nacogdoches |
7.0% |
6.2% |
2.2% |
| Navarro |
7.0% |
6.1% |
9.4% |
| Newton |
7.0% |
11.0% |
6.7% |
| Nolan |
9.0% |
6.2% |
0.8% |
| Nueces |
9.0% |
5.5% |
10.3% |
| Ochiltree |
0.0% |
5.9% |
0.5% |
| Oldham |
0.0% |
5.9% |
0.5% |
| Orange |
25.0% |
14.6% |
18.9% |
| Palo Pinto |
0.0% |
6.1% |
0.8% |
| Panola |
7.0% |
6.2% |
2.2% |
| Parker |
0.0% |
6.0% |
1.1% |
| Parmer |
14.0% |
6.0% |
0.5% |
| Pecos |
12.0% |
6.4% |
8.8% |
| Polk |
7.0% |
12.1% |
15.6% |
| Potter |
0.0% |
6.1% |
0.5% |
| Presidio |
12.0% |
6.4% |
8.8% |
| Rains |
12.0% |
6.3% |
1.1% |
| Randall |
0.0% |
5.9% |
0.5% |
| Reagan |
9.0% |
6.2% |
8.8% |
| Real |
16.0% |
6.4% |
14.0% |
| Red River |
12.0% |
6.2% |
1.1% |
| Reeves |
12.0% |
6.7% |
8.8% |
| Refugio |
24.0% |
5.5% |
10.3% |
| Roberts |
0.0% |
6.3% |
0.5% |
| Robertson |
0.0% |
6.4% |
9.4% |
| Rockwall |
12.0% |
6.0% |
2.3% |
| Runnels |
0.0% |
6.2% |
8.8% |
| Rusk |
7.0% |
6.2% |
2.2% |
| Sabine |
7.0% |
6.3% |
6.7% |
| San Augustine |
7.0% |
6.3% |
6.7% |
| San Jacinto |
7.0% |
11.0% |
15.6% |
| San Patricio |
19.0% |
5.5% |
10.3% |
| San Saba |
0.0% |
6.7% |
9.8% |
| Schleicher |
12.0% |
6.4% |
8.8% |
| Scurry |
14.0% |
6.1% |
13.8% |
| Shackelford |
8.0% |
6.0% |
0.8% |
| Shelby |
7.0% |
6.2% |
2.2% |
| Sherman |
0.0% |
5.9% |
0.5% |
| Smith |
7.0% |
6.1% |
2.2% |
| Somervell |
22.0% |
6.1% |
1.1% |
| Starr |
16.0% |
8.8% |
12.8% |
| Stephens |
0.0% |
6.2% |
0.8% |
| Sterling |
9.0% |
6.0% |
8.8% |
| Stonewall |
14.0% |
6.2% |
13.8% |
| Sutton |
12.0% |
6.2% |
8.8% |
| Swisher |
14.0% |
6.0% |
0.5% |
| Tarrant |
26.0% |
6.0% |
1.8% - 13.8% |
| Taylor |
0.0% |
6.1% |
0.8% |
| Terrell |
12.0% |
6.4% |
8.8% |
| Terry |
14.0% |
6.0% |
13.8% |
| Throckmorton |
8.0% |
6.1% |
0.8% |
| Titus |
12.0% |
6.1% |
1.1% |
| Tom Green |
9.0% |
6.2% |
8.8% |
| Travis |
0.0% |
6.6% |
10.2% |
| Trinity |
7.0% |
6.2% |
15.6% |
| Tyler |
7.0% |
10.6% |
6.7% |
| Upshur |
12.0% |
6.2% |
1.1% |
| Upton |
9.0% |
6.4% |
8.8% |
| Uvalde |
16.0% |
6.5% |
14.0% |
| Val Verde |
16.0% |
6.5% |
14.0% |
| Van Zandt |
12.0% |
6.1% |
1.1% |
| Victoria |
10.0% |
6.5% |
12.8% |
| Walker |
7.0% |
9.0% |
15.4% |
| Waller |
7.0% |
11.8% |
15.6% |
| Ward |
9.0% |
6.2% |
8.8% |
| Washington |
0.0% |
6.5% |
15.4% |
| Webb |
16.0% |
6.5% |
14.6% |
| Wharton |
4.0% |
14.0% |
12.8% |
| Wheeler |
0.0% |
6.1% |
0.5% |
| Wichita |
8.0% |
5.9% |
0.8% |
| Wilbarger |
8.0% |
6.0% |
0.8% |
| Willacy |
24.0% |
5.5% |
10.3% |
| Williamson |
0.0% |
6.3% |
10.2% |
| Wilson |
0.0% |
6.4% |
10.0% |
| Winkler |
9.0% |
6.3% |
8.8% |
| Wise |
0.0% |
6.0% |
0.8% |
| Wood |
12.0% |
6.2% |
1.1% |
| Yoakum |
14.0% |
6.0% |
13.8% |
| Young |
0.0% |
6.2% |
0.8% |
| Zapata |
16.0% |
6.4% |
14.6% |
| Zavala |
16.0% |
6.3% |
14.0% | |
Note: Companies may establish their own rating territories which may not coincide with county boundaries. In the table, if a range of rate changes is shown for a particular county, this reflects that the company has different territories within the county with rate changes that vary by territory.
The rate changes in the table reflect how much additional premium the company expects to earn in that county. The rate change at the policyholder level may vary depending on the policyholder characteristics and the specific rate changes by rating variable.
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