Best Texas Homeowners Insurance for 2026
Texas Farm Bureau, Mercury and Farmers are our top choices for home insurance in Texas.
- Texas Farm Bureau’s low rates and good customer service make it the state’s best home insurance company overall.
- Homeowners insurance in Texas costs an average of $4,458 a year.
- Texas homeowners insurance rates have risen by 57% over the past five years.
- Tornadoes, hurricanes and other extreme weather events have helped drive these costs up.
Best home insurance companies in Texas
Texas Farm Bureau, Mercury and Farmers are our top choices for home insurance in Texas. Low rates and good customer service make Texas Farm Bureau the best company overall. Mercury has the cheapest home insurance in Texas, while Farmers has the best coverage options.
Texas Farm Bureau and Farmers both have low complaint scores from the National Association of Insurance Commissioners (NAIC)
Best overall: Texas Farm Bureau
Average annual rate: $2,701
Why we chose it: Texas Farm Bureau’s affordability and reliability are good reasons to contact it for a home insurance quote. You can also feel good about the company’s support of Texas agriculture. However, you will have to buy a Texas Farm Bureau membership to get its insurance. Membership costs about $50 a year, but this varies by county.
Who it’s best for: Homeowners who want basic coverage. Texas Farm Bureau provides the standard coverage most homeowners need but not very many extras. For example, it doesn’t give you the option to replace a damaged roof with a stronger one like Farmers and Nationwide do. It doesn’t offer the convenience of online quotes, either.
Pros
- Rates 39% less than the state average
- Excellent NAIC complaint score
- Supports farming and ranching
Cons
- Online home insurance quotes not available
- Fewer coverage options than other companies
Best for cheap rates : Mercury
Average annual rate: $1,640
Why we chose it: Mercury’s low rates make it worth contacting for a quote especially if getting the lowest possible rate is most important. It only takes a few minutes to get a quote off Mercury’s website. You can also get one from an independent insurance agent
Who it’s best for: Money savers. Mercury’s rate is 63% less than the state average and 39% cheaper than the Farm Bureau’s price. It also has a few more extras than Texas Farm Bureau, including service line coverage
Pros
- Cheapest home insurance in Texas
- Several discounts can help you save more
- Online quotes make it easy to shop
Cons
- Bad complaint score
Best coverage options : Farmers
Average annual rate: $4,304
Why we chose it: Farmers’ home insurance rate is only slightly less than the state average. However, it offers a few good coverage options that can save you more money after a disaster.
Who it’s best for: Homeowners who want extra protection. Farmers’ fortified roof coverage pays extra to make a damaged roof stronger after a disaster. Its add-on for mortgage assistance covers a few loan payments if a disaster forces you out of your home. It also offers guaranteed replacement cost
Pros
- Customizable add-ons for extra protection
- Good NAIC complaint score
- Rate is slightly less than state average
Cons
- Other companies are cheaper
Best for luxury homes : Chubb
Average annual rate: $3,456 (with $550,000 coverage)
Why we chose it: Chubb’s policies include perks most other companies don’t have or charge extra for. Its excellent complaint score means it usually meets customer expectations.
Who it’s best for: People with luxury homes. Chubb is one of the few companies that insures homes for more than $1.5 million. It caters to your needs with a free consultation to help reduce your home’s fire and security risks. Chubb also offers a cash payout option that lets you rebuild in a new location after a disaster.
Pros
- Coverage available for multimillion homes
- Excellent NAIC complaint score
- Free risk consulting
Cons
- Usually only available for high-value homes
Compare home insurance rates and ratings
| Company | Annual rate* | LendingTree rating | NAIC complaint score* | |
|---|---|---|---|---|
| Mercury | $1,640 |  | 1.4 |
 | Farm Bureau | $2,701 | | 0.3 |
 | State Farm | $4,238 | | 1.4 |
| Farmers | $4,304 | | 0.7 |
 | Allstate | $5,615 | | 1.2 |
 | USAA** | $4,718 | | 0.5 |
 | Chubb | NA | | 0.1 |
**USAA is only available to current and former members of the military, their spouses, children of USAA members and certain federal employees.
LendingTree analyzed thousands of quotes from top insurers across Texas to identify the best options for homeowners.
Our team evaluated pricing, customer experience, financial reliability and coverage features to determine the top home insurance companies in the state.
See full methodology.
How much is home insurance in Texas?
Home insurance costs an average of $4,458 a year in Texas, or $372 a month. This is 70% higher than the national average of $2,628 a month.
Each company’s rates vary by customer. This makes it good to compare home insurance quotes from a few companies to find the cheapest rate.
The actual price you pay depends on factors like:
- The location of your home and its construction features
- Your credit and insurance history
The amount of coverage you need also affects your home insurance rate. For example it costs $5,547 a year to insure a home with $550,000 in dwelling coverage. This is 24% higher than the cost of a $400,000 policy.
Your dwelling coverage pays to repair structure damage to your home or rebuild it after a total loss. You usually have to insure your home at its replacement value
Insurance rates by dwelling coverage
| Company | $300,000 limit | $400,000 limit | $550,000 limit | $750,000 limit |
|---|---|---|---|---|
| Mercury | $1,329 | $1,640 | $2,408 | $3,243 |
| Farm Bureau | $2,279 | $2,701 | $3,112 | $3,570 |
| Farmers | $3,320 | $4,304 | $5,675 | $7,548 |
| Chubb* | NA | NA | $3,456 | $4,122 |
| State average | $3,510 | $4,458 | $5,547 | $7,139 |
Most home insurance companies can help you estimate your home’s replacement value. It’s up to you to provide details about your home, including:
- The year it was built and its square footage
- Your foundation, garage and roof types
- Your siding and roofing materials
- The types of floors, countertops and cabinets you have
- The year your electricity, plumbing or other systems were last updated
You can find most of this information by looking up your home on your county assessor’s website. Many of these details are also in your home’s inspection report.
Texas homeowners insurance rates by city
Your location has a big impact on how much you pay for homeowners insurance in Texas. Rates tend to be much higher in areas with severe wind, hail and thunderstorm risks.
For example, Taylor Lake Village has the state’s most expensive home insurance at an average of $10,898 a year. Seabrook and El Lago have the next highest rates at more than $10,400 a year each. All three towns are just off Galveston Bay in Harris County.
On the other hand, El Paso County’s Homestead Meadows South has Texas’ cheapest home insurance at $2,326 a year.
Homeowners insurance in Houston costs $5,714 a year, which is 28% higher than the state average. Dallas homeowners pay $4,715 a year, or 6% more than the average.
| City | Average Rate |
|---|---|
| Abbott | $4,048 |
| Abernathy | $5,046 |
| Abilene | $4,694 |
| Abram | $3,862 |
| Ace | $3,175 |
| Ackerly | $4,156 |
| Addison | $4,733 |
| Adkins | $2,986 |
| Adrian | $4,231 |
| Afton | $4,481 |
| Agua Dulce | $3,434 |
| Aiken | $4,516 |
| Alamo | $3,935 |
| Alamo Heights | $3,083 |
| Alanreed | $4,569 |
| Alba | $4,088 |
| Albany | $5,411 |
| Albert | $2,588 |
| Aldine | $5,359 |
| Aledo | $5,140 |
| Alice | $3,826 |
| Alief | $4,423 |
| Allen | $4,575 |
| Alleyton | $3,707 |
| Allison | $4,744 |
| Alma | $4,127 |
| Alpine | $3,036 |
| Altair | $3,101 |
| Alto | $3,820 |
| Alton | $3,828 |
| Alvarado | $4,486 |
| Alvin | $5,722 |
| Alvord | $5,259 |
| Amargosa | $4,201 |
| Amarillo | $5,303 |
| Amherst | $4,707 |
| Anahuac | $6,682 |
| Anderson | $3,738 |
| Andrews | $4,341 |
| Angleton | $5,769 |
| Anna | $4,554 |
| Annetta | $5,136 |
| Annetta North | $5,138 |
| Annona | $3,546 |
| Anson | $5,334 |
| Anthony | $2,383 |
| Anton | $4,651 |
| Apple Springs | $3,502 |
| Aquilla | $4,051 |
| Aransas Pass | $6,119 |
| Archer City | $5,606 |
| Argyle | $4,950 |
| Arlington | $4,925 |
| Armstrong | $3,468 |
| Arp | $3,692 |
| Art | $3,086 |
| Artesia Wells | $2,620 |
| Arthur City | $4,279 |
| Asherton | $2,897 |
| Aspermont | $5,405 |
| Atascocita | $5,217 |
| Atascosa | $3,042 |
| Athens | $3,785 |
| Atlanta | $4,023 |
| Aubrey | $4,892 |
| Austin | $2,904 |
| Austwell | $5,008 |
| Avalon | $3,490 |
| Avery | $4,166 |
| Avinger | $4,041 |
| Avoca | $4,772 |
| Axtell | $3,732 |
| Azle | $5,184 |
| Bacliff | $8,687 |
| Bagwell | $4,250 |
| Bailey | $3,766 |
| Baird | $4,973 |
| Balch Springs | $4,743 |
| Balcones Heights | $2,992 |
| Ballinger | $4,630 |
| Balmorhea | $3,324 |
| Bandera | $3,024 |
| Bangs | $4,313 |
| Banquete | $4,560 |
| Bardwell | $3,471 |
| Barker | $4,247 |
| Barksdale | $2,732 |
| Barnhart | $3,900 |
| Barrett | $6,333 |
| Barry | $3,867 |
| Barstow | $3,570 |
| Bartlett | $3,285 |
| Barton Creek | $2,873 |
| Bartonville | $4,952 |
| Bastrop | $3,076 |
| Batesville | $2,994 |
| Batson | $4,673 |
| Bay City | $5,681 |
| Bayou Vista | $7,423 |
| Bayside | $4,939 |
| Baytown | $6,522 |
| Beasley | $6,027 |
| Beaumont | $5,524 |
| Bebe | $2,998 |
| Beckville | $3,714 |
| Bedford | $4,995 |
| Bedias | $3,751 |
| Bee Cave | $2,955 |
| Bee House | $2,883 |
| Beeville | $4,284 |
| Bellaire | $5,686 |
| Bellevue | $5,646 |
| Bellmead | $3,690 |
| Bells | $4,699 |
| Bellville | $3,748 |
| Belmont | $2,983 |
| Belton | $3,188 |
| Ben Arnold | $2,971 |
| Ben Bolt | $3,719 |
| Ben Franklin | $3,585 |
| Ben Wheeler | $4,091 |
| Benavides | $3,257 |
| Benbrook | $4,977 |
| Bend | $3,124 |
| Benjamin | $5,700 |
| Berclair | $4,387 |
| Bergheim | $2,586 |
| Bertram | $3,296 |
| Beverly Hills | $3,418 |
| Bevil Oaks | $5,457 |
| Big Bend National Park | $2,877 |
| Big Lake | $4,425 |
| Big Sandy | $4,020 |
| Big Spring | $4,661 |
| Big Wells | $2,630 |
| Bigfoot | $2,703 |
| Biggs Field | $2,424 |
| Birome | $3,462 |
| Bishop | $4,780 |
| Bivins | $4,053 |
| Blackwell | $5,096 |
| Blanco | $3,040 |
| Blanket | $4,401 |
| Bledsoe | $4,268 |
| Bleiblerville | $3,682 |
| Blessing | $5,668 |
| Bloomburg | $4,037 |
| Blooming Grove | $3,955 |
| Bloomington | $5,070 |
| Blossom | $4,233 |
| Blue Mound | $4,943 |
| Blue Ridge | $4,619 |
| Bluegrove | $4,969 |
| Bluff Dale | $4,576 |
| Bluffton | $2,835 |
| Blum | $4,148 |
| Boerne | $2,860 |
| Bogata | $4,190 |
| Boling | $5,489 |
| Bolivar Peninsula | $9,551 |
| Bon Wier | $3,775 |
| Bonham | $4,302 |
| Booker | $5,705 |
| Borger | $5,395 |
| Bovina | $4,946 |
| Bowie | $5,396 |
| Boyd | $5,381 |
| Boys Ranch | $4,376 |
| Brackettville | $2,960 |
| Brady | $4,372 |
| Brandon | $3,462 |
| Brashear | $4,179 |
| Brazoria | $5,671 |
| Breckenridge | $5,137 |
| Bremond | $3,450 |
| Brenham | $3,255 |
| Briar | $5,267 |
| Briarcliff | $3,027 |
| Bridge City | $5,600 |
| Bridgeport | $5,408 |
| Briggs | $3,217 |
| Briscoe | $4,734 |
| Broaddus | $3,668 |
| Bronson | $3,717 |
| Bronte | $4,875 |
| Brookeland | $3,168 |
| Brookesmith | $3,648 |
| Brookshire | $4,548 |
| Brookside Village | $5,418 |
| Brookston | $4,202 |
| Brownfield | $4,540 |
| Brownsboro | $3,751 |
| Brownsville | $3,794 |
| Brownwood | $4,317 |
| Bruceville | $3,661 |
| Bruni | $2,870 |
| Brushy Creek | $2,969 |
| Bryan | $3,290 |
| Bryson | $4,538 |
| Buchanan Dam | $3,339 |
| Buchanan Lake Village | $3,257 |
| Buckholts | $3,253 |
| Buda | $2,932 |
| Buffalo | $3,735 |
| Buffalo Gap | $4,783 |
| Bullard | $3,624 |
| Bulverde | $2,846 |
| Buna | $4,008 |
| Bunker Hill Village | $5,597 |
| Burkburnett | $5,675 |
| Burkett | $3,957 |
| Burkeville | $3,740 |
| Burleson | $4,624 |
| Burlington | $2,948 |
| Burnet | $3,227 |
| Burton | $3,535 |
| Bushland | $4,691 |
| Byers | $4,936 |
| Bynum | $4,062 |
| Cactus | $5,177 |
| Caddo | $4,318 |
| Caddo Mills | $4,449 |
| Caldwell | $3,441 |
| Call | $4,029 |
| Calliham | $2,873 |
| Calvert | $3,363 |
| Camden | $3,237 |
| Cameron | $3,306 |
| Cameron Park | $3,817 |
| Camp Swift | $3,090 |
| Camp Wood | $3,095 |
| Campbell | $4,271 |
| Campbellton | $2,704 |
| Canadian | $5,624 |
| Canton | $4,180 |
| Canutillo | $2,408 |
| Canyon | $5,065 |
| Canyon Lake | $3,004 |
| Carbon | $3,768 |
| Carlsbad | $4,665 |
| Carlton | $3,589 |
| Carmine | $3,138 |
| Carrizo Springs | $2,882 |
| Carrollton | $4,988 |
| Carthage | $3,562 |
| Cason | $3,485 |
| Castell | $2,941 |
| Castle Hills | $3,011 |
| Castroville | $3,018 |
| Cat Spring | $3,142 |
| Catarina | $2,638 |
| Cayuga | $3,158 |
| Cedar Creek | $3,060 |
| Cedar Hill | $4,578 |
| Cedar Lane | $4,551 |
| Cedar Park | $2,925 |
| Cedar Point | $3,748 |
| Cee Vee | $4,567 |
| Celeste | $4,308 |
| Celina | $4,721 |
| Center | $3,600 |
| Center Point | $3,159 |
| Centerville | $3,733 |
| Central Gardens | $5,442 |
| Centralia | $3,022 |
| Chandler | $3,831 |
| Channelview | $6,404 |
| Channing | $4,290 |
| Chapman Ranch | $5,237 |
| Chappell Hill | $3,612 |
| Charlotte | $2,928 |
| Chatfield | $3,375 |
| Cherokee | $3,067 |
| Chester | $3,746 |
| Chico | $5,238 |
| Chicota | $3,592 |
| Childress | $5,464 |
| Chillicothe | $5,830 |
| Chilton | $3,351 |
| China | $5,649 |
| China Spring | $3,583 |
| Chireno | $3,571 |
| Chriesman | $2,989 |
| Christine | $2,662 |
| Christoval | $4,570 |
| Chula Vista | $2,708 |
| Cibolo | $2,897 |
| Cienegas Terrace | $2,910 |
| Cinco Ranch | $5,287 |
| Circle D-KC Estates | $3,078 |
| Cisco | $4,473 |
| Clarendon | $5,608 |
| Clarksville | $4,185 |
| Clarksville City | $3,532 |
| Claude | $5,522 |
| Clayton | $3,091 |
| Clear Lake Shores | $8,089 |
| Cleburne | $4,522 |
| Cleveland | $4,245 |
| Clifton | $4,150 |
| Clint | $2,339 |
| Cloverleaf | $6,214 |
| Clute | $5,825 |
| Clyde | $4,978 |
| Coahoma | $4,998 |
| Cockrell Hill | $4,672 |
| Coldspring | $3,890 |
| Coleman | $4,594 |
| College Station | $3,162 |
| Collegeport | $5,218 |
| Colleyville | $5,240 |
| Collinsville | $4,857 |
| Colmesneil | $3,799 |
| Colorado City | $5,173 |
| Columbus | $3,562 |
| Comanche | $4,355 |
| Combes | $3,200 |
| Combine | $4,586 |
| Comfort | $2,806 |
| Commerce | $4,246 |
| Como | $4,115 |
| Comstock | $2,954 |
| Concan | $2,759 |
| Concepcion | $2,866 |
| Concord | $3,188 |
| Conroe | $3,848 |
| Converse | $3,054 |
| Cookville | $4,109 |
| Coolidge | $3,835 |
| Cooper | $4,278 |
| Copeville | $3,942 |
| Coppell | $4,899 |
| Copper Canyon | $4,938 |
| Copperas Cove | $3,279 |
| Corinth | $4,719 |
| Corpus Christi | $5,995 |
| Corrigan | $3,763 |
| Corsicana | $3,887 |
| Cost | $2,998 |
| Cotton Center | $4,465 |
| Cottonwood Shores | $3,234 |
| Cotulla | $2,921 |
| Coupland | $2,979 |
| Covington | $4,154 |
| Coyanosa | $3,057 |
| Crandall | $4,274 |
| Crane | $4,370 |
| Cranfills Gap | $3,557 |
| Crawford | $3,664 |
| Cresson | $3,862 |
| Crockett | $3,516 |
| Crosby | $6,289 |
| Crosbyton | $5,081 |
| Cross Mountain | $3,002 |
| Cross Plains | $4,911 |
| Cross Roads | $4,895 |
| Crowell | $5,659 |
| Crowley | $4,769 |
| Crystal Beach | $6,899 |
| Crystal City | $2,858 |
| Cuero | $3,327 |
| Cumby | $4,172 |
| Cuney | $3,107 |
| Cunningham | $3,603 |
| Cushing | $3,636 |
| Cypress | $5,106 |
| Cypress Mill | $2,823 |
| D Hanis | $3,143 |
| Daingerfield | $4,033 |
| Daisetta | $4,962 |
| Dale | $3,006 |
| Dalhart | $4,935 |
| Dallardsville | $3,176 |
| Dallas | $4,715 |
| Dalworthington Gardens | $4,994 |
| Damon | $5,681 |
| Danbury | $6,105 |
| Danciger | $4,323 |
| Danevang | $5,381 |
| Darrouzett | $4,834 |
| Dawn | $4,324 |
| Dawson | $3,854 |
| Dayton | $4,871 |
| De Berry | $3,556 |
| De Kalb | $4,085 |
| De Leon | $4,349 |
| DeCordova | $4,657 |
| DeSoto | $4,890 |
| Deanville | $3,013 |
| Decatur | $5,266 |
| Deer Park | $6,730 |
| Del Rio | $2,875 |
| Del Valle | $2,921 |
| Dell City | $2,849 |
| Delmita | $3,023 |
| Denison | $4,722 |
| Dennis | $4,300 |
| Denton | $4,744 |
| Denver City | $4,774 |
| Deport | $4,243 |
| Desdemona | $3,743 |
| Detroit | $4,228 |
| Devers | $5,354 |
| Devine | $3,116 |
| Deweyville | $4,423 |
| Diana | $3,905 |
| Diboll | $3,537 |
| Dickens | $5,369 |
| Dickinson | $6,920 |
| Dike | $4,170 |
| Dilley | $2,970 |
| Dime Box | $3,297 |
| Dimmitt | $4,866 |
| Dinero | $3,827 |
| Dobbin | $3,275 |
| Dodd City | $4,311 |
| Dodge | $3,352 |
| Dodson | $4,737 |
| Doffing | $3,851 |
| Donie | $3,516 |
| Donna | $4,062 |
| Doole | $3,796 |
| Doolittle | $4,023 |
| Doss | $2,563 |
| Double Oak | $4,835 |
| Doucette | $3,274 |
| Dougherty | $4,395 |
| Douglass | $3,470 |
| Douglassville | $4,050 |
| Driftwood | $3,043 |
| Dripping Springs | $2,971 |
| Driscoll | $4,797 |
| Dryden | $3,079 |
| Dublin | $4,293 |
| Dumas | $5,185 |
| Duncanville | $4,873 |
| Dunn | $4,408 |
| Dyess AFB | $4,165 |
| Eagle Lake | $4,009 |
| Eagle Pass | $2,702 |
| Early | $4,283 |
| Earth | $4,745 |
| East Bernard | $5,338 |
| Eastland | $4,509 |
| Easton | $2,966 |
| Ecleto | $3,001 |
| Ector | $4,245 |
| Edcouch | $4,200 |
| Eddy | $3,449 |
| Eden | $4,410 |
| Edgecliff Village | $5,169 |
| Edgewood | $4,124 |
| Edinburg | $3,947 |
| Edmonson | $4,335 |
| Edna | $4,560 |
| Edroy | $3,654 |
| Egypt | $5,156 |
| Eidson Road | $2,702 |
| El Campo | $5,301 |
| El Cenizo | $2,778 |
| El Indio | $2,535 |
| El Lago | $10,407 |
| El Paso | $2,359 |
| Eldorado | $3,992 |
| Electra | $5,562 |
| Elgin | $2,985 |
| Eliasville | $4,200 |
| Elkhart | $3,725 |
| Ellinger | $2,807 |
| Elm Creek | $2,710 |
| Elm Mott | $3,755 |
| Elmaton | $4,085 |
| Elmendorf | $3,044 |
| Elmo | $4,294 |
| Elsa | $4,213 |
| Elysian Fields | $3,401 |
| Emerald Bay | $3,611 |
| Emory | $4,208 |
| Encinal | $2,955 |
| Encino | $4,027 |
| Energy | $3,617 |
| Enloe | $3,593 |
| Ennis | $4,128 |
| Enochs | $4,278 |
| Eola | $3,832 |
| Era | $4,377 |
| Escobares | $2,788 |
| Etoile | $3,050 |
| Euless | $5,084 |
| Eustace | $3,951 |
| Evadale | $4,013 |
| Evant | $2,883 |
| Everman | $4,944 |
| Fabens | $2,392 |
| Fair Oaks Ranch | $2,987 |
| Fairfield | $3,811 |
| Fairview | $4,644 |
| Falcon Heights | $2,608 |
| Falcon Mesa | $2,675 |
| Falfurrias | $4,118 |
| Falls City | $3,249 |
| Fannett | $5,931 |
| Fannin | $3,955 |
| Farmers Branch | $4,888 |
| Farmersville | $4,696 |
| Farnsworth | $4,710 |
| Farwell | $4,966 |
| Fate | $4,451 |
| Fayetteville | $3,349 |
| Fentress | $2,723 |
| Ferris | $4,329 |
| Fieldton | $4,076 |
| Fischer | $2,774 |
| Flatonia | $3,285 |
| Flint | $3,697 |
| Flomot | $4,453 |
| Florence | $3,116 |
| Floresville | $2,915 |
| Flower Mound | $4,775 |
| Floydada | $5,158 |
| Fluvanna | $4,431 |
| Flynn | $3,763 |
| Follett | $5,773 |
| Forest Hill | $5,002 |
| Forestburg | $5,312 |
| Forney | $4,492 |
| Forreston | $3,610 |
| Forsan | $3,989 |
| Fort Bliss | $2,518 |
| Fort Cavazos | $2,795 |
| Fort Clark Springs | $2,963 |
| Fort Davis | $3,123 |
| Fort Hancock | $2,823 |
| Fort Hood | $3,192 |
| Fort Mc Kavett | $3,008 |
| Fort Sam Houston | $2,809 |
| Fort Stockton | $3,516 |
| Fort Worth | $4,957 |
| Four Corners | $5,614 |
| Fowlerton | $2,665 |
| Francitas | $5,292 |
| Franklin | $3,363 |
| Frankston | $3,736 |
| Fred | $3,878 |
| Fredericksburg | $2,882 |
| Fredonia | $2,952 |
| Freeport | $6,795 |
| Freer | $3,164 |
| Fresno | $6,444 |
| Friendswood | $6,458 |
| Friona | $4,948 |
| Frisco | $4,463 |
| Fritch | $5,359 |
| Frost | $3,987 |
| Fruitvale | $4,140 |
| Fulshear | $4,246 |
| Fulton | $6,778 |
| Gail | $4,947 |
| Gainesville | $5,123 |
| Galena Park | $6,167 |
| Gallatin | $3,133 |
| Galveston | $9,547 |
| Ganado | $4,717 |
| Garciasville | $2,670 |
| Garden City | $4,756 |
| Garden Ridge | $2,840 |
| Gardendale | $4,585 |
| Garfield | $2,888 |
| Garland | $4,821 |
| Garrison | $3,442 |
| Garwood | $3,959 |
| Gary | $3,576 |
| Gatesville | $3,336 |
| Gause | $3,287 |
| George West | $4,256 |
| Georgetown | $3,031 |
| Geronimo | $2,592 |
| Gholson | $3,714 |
| Giddings | $3,147 |
| Gilchrist | $6,854 |
| Gillett | $3,426 |
| Gilmer | $4,009 |
| Girard | $4,538 |
| Girvin | $3,074 |
| Gladewater | $3,642 |
| Glen Flora | $3,995 |
| Glen Rose | $4,549 |
| Glenn Heights | $4,523 |
| Glidden | $2,974 |
| Gober | $3,558 |
| Godley | $4,509 |
| Golden | $3,497 |
| Goldsboro | $4,153 |
| Goldsmith | $4,023 |
| Goldthwaite | $4,146 |
| Goliad | $4,397 |
| Gonzales | $3,277 |
| Goodfellow AFB | $3,853 |
| Goodrich | $3,260 |
| Gordon | $4,527 |
| Gordonville | $4,777 |
| Goree | $5,677 |
| Gorman | $4,494 |
| Gouldbusk | $3,860 |
| Graford | $5,474 |
| Graham | $5,300 |
| Granbury | $4,673 |
| Grand Prairie | $4,764 |
| Grand Saline | $4,099 |
| Grandfalls | $3,595 |
| Grandview | $4,567 |
| Granger | $3,088 |
| Granite Shoals | $3,234 |
| Grape Creek | $4,472 |
| Grapeland | $3,684 |
| Grapevine | $5,133 |
| Greatwood | $5,768 |
| Green Valley Farms | $3,694 |
| Greenville | $4,385 |
| Greenwood | $4,466 |
| Gregory | $5,686 |
| Groesbeck | $3,841 |
| Groom | $5,559 |
| Groves | $5,841 |
| Groveton | $3,612 |
| Grulla | $2,674 |
| Gruver | $5,367 |
| Guerra | $2,684 |
| Gun Barrel City | $3,914 |
| Gunter | $4,667 |
| Gustine | $4,225 |
| Guthrie | $4,587 |
| Guy | $4,131 |
| Hackberry | $4,702 |
| Hale Center | $5,153 |
| Hallettsville | $3,407 |
| Hallsville | $3,909 |
| Haltom City | $4,969 |
| Hamilton | $3,941 |
| Hamlin | $5,320 |
| Hamshire | $5,163 |
| Hankamer | $5,704 |
| Happy | $5,337 |
| Hardin | $4,951 |
| Hargill | $4,230 |
| Harker Heights | $3,220 |
| Harleton | $3,890 |
| Harlingen | $3,642 |
| Harper | $2,919 |
| Harrold | $4,846 |
| Hart | $4,869 |
| Hartley | $4,958 |
| Harwood | $2,885 |
| Haskell | $5,628 |
| Haslet | $4,991 |
| Hawk Cove | $4,445 |
| Hawkins | $3,956 |
| Hawley | $5,270 |
| Hearne | $3,324 |
| Heath | $4,447 |
| Hebbronville | $3,064 |
| Hedley | $5,516 |
| Hedwig Village | $5,507 |
| Heidenheimer | $2,742 |
| Helotes | $2,955 |
| Hemphill | $3,706 |
| Hempstead | $4,124 |
| Henderson | $3,567 |
| Henrietta | $5,837 |
| Hereford | $4,932 |
| Hermleigh | $5,175 |
| Hewitt | $3,754 |
| Hext | $3,099 |
| Hickory Creek | $4,813 |
| Hico | $4,424 |
| Hidalgo | $3,855 |
| Hideaway | $3,768 |
| Higgins | $4,822 |
| High Island | $6,604 |
| Highland Park | $4,788 |
| Highland Village | $4,830 |
| Highlands | $6,504 |
| Hill Country Village | $2,969 |
| Hillcrest | $5,746 |
| Hillister | $3,885 |
| Hillsboro | $4,060 |
| Hilltop Lakes | $3,541 |
| Hilshire Village | $5,447 |
| Hitchcock | $6,524 |
| Hobson | $2,981 |
| Hochheim | $2,974 |
| Hockley | $4,627 |
| Holiday Lakes | $5,707 |
| Holland | $3,312 |
| Holliday | $5,626 |
| Holly Lake Ranch | $3,944 |
| Hollywood Park | $2,970 |
| Homestead Meadows North | $2,334 |
| Homestead Meadows South | $2,326 |
| Hondo | $3,175 |
| Honey Grove | $4,331 |
| Hooks | $4,035 |
| Horizon City | $2,345 |
| Horseshoe Bay | $3,245 |
| Houston | $5,714 |
| Howe | $4,637 |
| Hubbard | $4,081 |
| Hudson | $3,445 |
| Hudson Bend | $2,880 |
| Hudson Oaks | $5,030 |
| Huffman | $5,507 |
| Hufsmith | $4,144 |
| Hughes Springs | $4,072 |
| Hull | $4,888 |
| Humble | $4,911 |
| Hungerford | $4,062 |
| Hunt | $3,141 |
| Hunters Creek Village | $5,594 |
| Huntington | $3,587 |
| Huntsville | $3,746 |
| Hurst | $5,133 |
| Hutchins | $4,735 |
| Hutto | $2,952 |
| Hye | $2,737 |
| Idalou | $5,080 |
| Iglesia Antigua | $3,573 |
| Imperial | $3,060 |
| Indian Hills | $4,174 |
| Indian Lake | $3,847 |
| Indian Springs | $3,752 |
| Industry | $3,031 |
| Inez | $4,772 |
| Ingleside | $6,161 |
| Ingram | $3,102 |
| Iola | $3,594 |
| Iowa Park | $5,730 |
| Ira | $4,433 |
| Iraan | $3,670 |
| Iredell | $4,135 |
| Irene | $3,477 |
| Irving | $4,853 |
| Italy | $4,073 |
| Itasca | $4,321 |
| Ivanhoe | $4,017 |
| Jacinto City | $6,177 |
| Jacksboro | $5,239 |
| Jacksonville | $3,554 |
| Jamaica Beach | $6,621 |
| Jarrell | $3,218 |
| Jasper | $3,755 |
| Jayton | $5,346 |
| Jbsa Lackland | $2,737 |
| Jbsa Randolph | $2,938 |
| Jefferson | $3,972 |
| Jermyn | $4,545 |
| Jersey Village | $5,199 |
| Jewett | $3,726 |
| Joaquin | $3,625 |
| Johnson City | $3,085 |
| Joinerville | $3,063 |
| Jollyville | $2,868 |
| Jones Creek | $6,345 |
| Jonesboro | $2,891 |
| Jonesville | $3,400 |
| Josephine | $4,557 |
| Joshua | $4,491 |
| Jourdanton | $3,090 |
| Juarez | $3,608 |
| Judson | $3,153 |
| Junction | $3,370 |
| Justiceburg | $4,401 |
| Justin | $4,817 |
| Kamay | $4,751 |
| Karnack | $3,926 |
| Karnes City | $3,415 |
| Katy | $5,296 |
| Kaufman | $4,310 |
| Keene | $4,488 |
| Keller | $4,846 |
| Kemah | $8,200 |
| Kemp | $4,041 |
| Kempner | $3,222 |
| Kendalia | $2,641 |
| Kendleton | $4,426 |
| Kenedy | $3,695 |
| Kennard | $3,534 |
| Kennedale | $4,978 |
| Kenney | $3,073 |
| Kerens | $3,855 |
| Kermit | $4,312 |
| Kerrick | $4,281 |
| Kerrville | $3,011 |
| Kildare | $3,520 |
| Kilgore | $3,477 |
| Killeen | $3,163 |
| Kingsbury | $2,973 |
| Kingsland | $3,235 |
| Kingsville | $3,821 |
| Kingwood | $4,750 |
| Kirby | $3,069 |
| Kirbyville | $3,826 |
| Kirvin | $3,275 |
| Klondike | $3,595 |
| Knickerbocker | $3,851 |
| Knippa | $3,042 |
| Knott | $3,987 |
| Knox City | $5,662 |
| Kopperl | $4,244 |
| Kosse | $3,823 |
| Kountze | $4,548 |
| Kress | $5,178 |
| Krugerville | $4,888 |
| Krum | $4,839 |
| Kurten | $2,850 |
| Kyle | $2,933 |
| La Blanca | $4,215 |
| La Coste | $2,619 |
| La Feria | $3,578 |
| La Grange | $3,244 |
| La Grulla | $2,894 |
| La Homa | $3,843 |
| La Joya | $3,841 |
| La Marque | $6,829 |
| La Porte | $8,564 |
| La Pryor | $2,911 |
| La Puerta | $2,873 |
| La Salle | $3,950 |
| La Vernia | $2,926 |
| La Villa | $4,219 |
| La Ward | $4,085 |
| LaCoste | $2,971 |
| Lackland AFB | $3,004 |
| Lacy-Lakeview | $3,688 |
| Ladonia | $4,318 |
| Lago Vista | $2,970 |
| Laguna Heights | $5,695 |
| Laguna Park | $4,173 |
| Laguna Vista | $5,655 |
| Laird Hill | $2,988 |
| Lake Brownwood | $4,328 |
| Lake Bryan | $3,299 |
| Lake Cherokee | $3,610 |
| Lake Creek | $3,588 |
| Lake Dallas | $4,812 |
| Lake Dunlap | $2,828 |
| Lake Jackson | $5,636 |
| Lake Kiowa | $5,127 |
| Lake Medina Shores | $3,004 |
| Lake Worth | $5,035 |
| Lakehills | $3,034 |
| Lakeside | $5,118 |
| Lakeview | $4,664 |
| Lakeway | $2,883 |
| Lamar | $6,454 |
| Lamesa | $4,788 |
| Lampasas | $3,298 |
| Lancaster | $4,848 |
| Lane City | $5,521 |
| Laneville | $3,491 |
| Langtry | $2,694 |
| Lantana | $4,951 |
| Laredo | $2,754 |
| Larue | $3,755 |
| Las Lomas | $2,872 |
| Las Palmas II | $3,612 |
| Las Quintas Fronterizas | $2,702 |
| Lasara | $3,717 |
| Latexo | $2,992 |
| Laughlin AFB | $2,886 |
| Laureles | $3,723 |
| Lavon | $4,617 |
| Lawn | $4,856 |
| Lazbuddie | $4,957 |
| Leaday | $3,861 |
| League City | $6,966 |
| Leakey | $3,245 |
| Leander | $2,983 |
| Ledbetter | $2,833 |
| Leesburg | $4,056 |
| Leesville | $3,359 |
| Lefors | $5,526 |
| Leggett | $3,133 |
| Lelia Lake | $4,642 |
| Leming | $2,920 |
| Lenorah | $4,756 |
| Leon Valley | $3,005 |
| Leona | $3,736 |
| Leonard | $4,450 |
| Leroy | $3,256 |
| Levelland | $4,640 |
| Lewisville | $4,831 |
| Lexington | $3,023 |
| Liberty | $5,003 |
| Liberty City | $3,534 |
| Liberty Hill | $3,123 |
| Lillian | $3,966 |
| Lincoln | $3,235 |
| Lindale | $3,713 |
| Linden | $4,051 |
| Lindsay | $5,114 |
| Lingleville | $3,853 |
| Linn | $4,039 |
| Lipan | $4,855 |
| Lipscomb | $4,817 |
| Lissie | $3,908 |
| Little Elm | $4,787 |
| Little River Academy | $2,748 |
| Little River-Academy | $3,229 |
| Littlefield | $4,670 |
| Live Oak | $3,046 |
| Liverpool | $6,090 |
| Livingston | $3,745 |
| Llano | $3,294 |
| Llano Grande | $4,111 |
| Lockhart | $2,986 |
| Lockney | $5,210 |
| Lodi | $3,465 |
| Log Cabin | $3,800 |
| Lohn | $4,420 |
| Lolita | $5,340 |
| Lometa | $3,379 |
| London | $2,956 |
| Lone Oak | $4,249 |
| Lone Star | $4,031 |
| Long Branch | $3,570 |
| Longview | $3,637 |
| Loop | $4,573 |
| Lopeno | $2,724 |
| Lopezville | $3,950 |
| Loraine | $5,143 |
| Lorena | $3,508 |
| Lorenzo | $5,060 |
| Los Ebanos | $3,481 |
| Los Fresnos | $3,898 |
| Los Indios | $3,227 |
| Lost Creek | $2,918 |
| Lott | $3,401 |
| Louise | $5,215 |
| Lovelady | $3,605 |
| Loving | $4,284 |
| Lowake | $3,900 |
| Lozano | $4,077 |
| Lubbock | $4,758 |
| Lucas | $4,617 |
| Lueders | $4,776 |
| Lufkin | $3,469 |
| Luling | $3,001 |
| Lumberton | $4,668 |
| Lyford | $3,854 |
| Lyons | $3,020 |
| Lytle | $2,971 |
| Mabank | $4,031 |
| Macdona | $2,731 |
| Madisonville | $3,590 |
| Magnolia | $3,927 |
| Malakoff | $3,790 |
| Malone | $3,467 |
| Manchaca | $3,004 |
| Manor | $2,915 |
| Mansfield | $4,824 |
| Manvel | $5,477 |
| Maple | $4,276 |
| Marathon | $3,216 |
| Marble Falls | $3,225 |
| Marfa | $2,935 |
| Marietta | $3,502 |
| Marion | $2,890 |
| Markham | $5,838 |
| Marlin | $3,355 |
| Marquez | $3,750 |
| Marshall | $3,895 |
| Mart | $3,780 |
| Martindale | $2,991 |
| Martinsville | $3,025 |
| Maryneal | $4,381 |
| Mason | $3,261 |
| Masterson | $4,499 |
| Matador | $5,311 |
| Matagorda | $7,295 |
| Mathis | $4,339 |
| Maud | $4,065 |
| Mauriceville | $5,138 |
| Maxwell | $2,963 |
| May | $4,371 |
| Maydelle | $3,123 |
| Maypearl | $4,121 |
| Mc Camey | $3,862 |
| Mc Caulley | $4,298 |
| Mc Dade | $3,097 |
| Mc Gregor | $3,704 |
| Mc Leod | $3,514 |
| Mc Neil | $2,746 |
| Mc Queeney | $2,583 |
| McAllen | $3,846 |
| McCamey | $4,325 |
| McGregor | $3,700 |
| McKinney | $4,591 |
| McLean | $5,571 |
| McLendon-Chisholm | $4,444 |
| McQueeney | $2,844 |
| Mcadoo | $4,481 |
| Mcfaddin | $3,859 |
| Meadow | $3,976 |
| Meadowlakes | $3,215 |
| Meadows Place | $5,703 |
| Medina | $2,849 |
| Megargel | $5,650 |
| Melissa | $4,559 |
| Melvin | $3,756 |
| Memphis | $5,519 |
| Menard | $3,509 |
| Mentone | $3,672 |
| Mercedes | $4,182 |
| Mereta | $4,032 |
| Meridian | $4,125 |
| Merit | $3,581 |
| Merkel | $4,929 |
| Mertens | $3,453 |
| Mertzon | $4,511 |
| Mesquite | $4,880 |
| Mexia | $3,805 |
| Meyersville | $3,033 |
| Miami | $5,531 |
| Mico | $3,081 |
| Midfield | $4,412 |
| Midkiff | $3,872 |
| Midland | $4,404 |
| Midlothian | $4,171 |
| Midway | $3,687 |
| Midway North | $4,099 |
| Midway South | $4,069 |
| Mila Doce | $4,162 |
| Milam | $3,702 |
| Milano | $3,410 |
| Miles | $4,598 |
| Milford | $4,046 |
| Millersview | $3,801 |
| Millican | $2,832 |
| Millsap | $5,165 |
| Minden | $3,069 |
| Mineola | $3,895 |
| Mineral | $3,780 |
| Mineral Wells | $5,319 |
| Mingus | $4,527 |
| Mirando City | $2,648 |
| Mission | $3,853 |
| Mission Bend | $5,629 |
| Missouri City | $5,971 |
| Mobeetie | $4,729 |
| Monahans | $4,154 |
| Mont Belvieu | $5,465 |
| Montague | $5,342 |
| Montalba | $3,667 |
| Monte Alto | $4,207 |
| Montgomery | $3,957 |
| Moody | $3,295 |
| Moore | $3,045 |
| Moran | $4,460 |
| Morgan | $4,161 |
| Morgan Mill | $3,912 |
| Morgan’s Point Resort | $3,204 |
| Morse | $4,618 |
| Morton | $4,867 |
| Moscow | $3,259 |
| Moulton | $3,442 |
| Mound | $2,796 |
| Mount Calm | $3,462 |
| Mount Enterprise | $3,506 |
| Mount Pleasant | $4,145 |
| Mount Vernon | $4,046 |
| Mountain Home | $2,967 |
| Muenster | $5,142 |
| Muldoon | $2,846 |
| Muleshoe | $4,948 |
| Mullin | $4,254 |
| Mumford | $2,875 |
| Munday | $5,667 |
| Murchison | $3,745 |
| Murillo | $3,979 |
| Murphy | $4,445 |
| Myra | $4,388 |
| Myrtle Springs | $4,245 |
| Nacogdoches | $3,495 |
| Nada | $3,254 |
| Naples | $4,042 |
| Nash | $4,001 |
| Nassau Bay | $8,152 |
| Natalia | $3,087 |
| Naval Air Station Jrb | $4,303 |
| Navasota | $3,395 |
| Nazareth | $4,199 |
| Neches | $3,183 |
| Nederland | $5,438 |
| Needville | $5,920 |
| Nemo | $3,633 |
| Nevada | $4,595 |
| New Baden | $2,858 |
| New Boston | $4,050 |
| New Braunfels | $2,817 |
| New Caney | $4,300 |
| New Deal | $4,315 |
| New Fairview | $5,335 |
| New Home | $4,311 |
| New London | $3,618 |
| New Territory | $5,760 |
| New Ulm | $3,607 |
| New Waverly | $3,905 |
| Newark | $4,594 |
| Newcastle | $5,357 |
| Newton | $3,832 |
| Nixon | $3,357 |
| Nocona | $5,434 |
| Nolan | $4,470 |
| Nolanville | $3,196 |
| Nome | $4,555 |
| Nordheim | $3,333 |
| Normangee | $3,547 |
| Normanna | $3,776 |
| North Alamo | $3,927 |
| North Cleveland | $4,544 |
| North Houston | $4,284 |
| North Richland Hills | $5,045 |
| North San Pedro | $4,635 |
| North Zulch | $3,584 |
| Northlake | $4,810 |
| Norton | $3,942 |
| Notrees | $4,034 |
| Novice | $4,794 |
| Nursery | $3,977 |
| O Brien | $4,796 |
| Oak Grove | $4,316 |
| Oak Leaf | $4,270 |
| Oak Point | $4,796 |
| Oak Ridge North | $4,042 |
| Oak Trail Shores | $4,697 |
| Oakhurst | $3,757 |
| Oakland | $3,056 |
| Oakville | $3,672 |
| Oakwood | $3,811 |
| Odell | $4,902 |
| Odem | $4,403 |
| Odessa | $4,490 |
| Odonnell | $4,990 |
| Oglesby | $3,433 |
| Oilton | $2,656 |
| Oklaunion | $4,862 |
| Old Glory | $4,691 |
| Old Ocean | $4,269 |
| Olden | $3,771 |
| Olivarez | $4,126 |
| Olmito | $3,771 |
| Olmos Park | $2,978 |
| Olney | $5,243 |
| Olton | $4,756 |
| Omaha | $4,034 |
| Onalaska | $3,925 |
| Orange | $5,113 |
| Orange Grove | $4,298 |
| Orangefield | $4,118 |
| Orchard | $4,265 |
| Ore City | $4,038 |
| Orla | $3,233 |
| Ottine | $3,003 |
| Ovalo | $4,082 |
| Overton | $3,605 |
| Ovilla | $4,277 |
| Oyster Creek | $7,349 |
| Ozona | $3,757 |
| Paducah | $5,377 |
| Paige | $3,098 |
| Paint Rock | $4,431 |
| Palacios | $6,359 |
| Palestine | $3,724 |
| Palm Valley | $3,601 |
| Palmer | $4,089 |
| Palmhurst | $3,825 |
| Palmview | $3,846 |
| Palmview South | $3,853 |
| Palo Pinto | $4,525 |
| Paloma Creek | $4,888 |
| Paloma Creek South | $4,804 |
| Paluxy | $3,951 |
| Pampa | $5,514 |
| Pandora | $2,659 |
| Panhandle | $5,448 |
| Panna Maria | $2,987 |
| Panola | $3,078 |
| Panorama Village | $3,808 |
| Pantego | $5,002 |
| Paradise | $5,233 |
| Paris | $4,201 |
| Parker | $4,614 |
| Pasadena | $7,399 |
| Pattison | $3,392 |
| Pattonville | $4,221 |
| Pawnee | $3,740 |
| Pearland | $5,586 |
| Pearsall | $2,955 |
| Peaster | $4,357 |
| Pecan Acres | $5,211 |
| Pecan Gap | $3,587 |
| Pecan Grove | $5,810 |
| Pecan Hill | $4,271 |
| Pecan Plantation | $4,675 |
| Pecos | $3,623 |
| Peggy | $2,696 |
| Pelican Bay | $5,142 |
| Pendleton | $2,755 |
| Penelope | $4,080 |
| Penitas | $3,865 |
| Pennington | $3,025 |
| Penwell | $3,897 |
| Pep | $4,016 |
| Perezville | $3,859 |
| Perrin | $5,382 |
| Perryton | $5,481 |
| Petersburg | $5,234 |
| Petrolia | $5,826 |
| Petronila | $4,822 |
| Pettus | $3,661 |
| Petty | $3,588 |
| Pflugerville | $3,011 |
| Pharr | $3,868 |
| Pickton | $3,527 |
| Pierce | $4,145 |
| Pilot Point | $4,806 |
| Pine Harbor | $3,967 |
| Pinehurst | $4,429 |
| Pineland | $3,657 |
| Pinewood Estates | $4,796 |
| Piney Point Village | $5,598 |
| Pipe Creek | $3,039 |
| Pittsburg | $4,025 |
| Placedo | $4,186 |
| Plains | $4,628 |
| Plainview | $5,044 |
| Plano | $4,656 |
| Plantersville | $3,814 |
| Pleasanton | $2,915 |
| Pledger | $4,508 |
| Plum | $2,830 |
| Point | $4,220 |
| Point Comfort | $5,638 |
| Pointblank | $3,916 |
| Pollok | $3,527 |
| Ponder | $4,905 |
| Pontotoc | $2,959 |
| Poolville | $5,075 |
| Port Aransas | $7,629 |
| Port Arthur | $6,026 |
| Port Bolivar | $6,899 |
| Port Isabel | $5,736 |
| Port Lavaca | $6,218 |
| Port Mansfield | $4,945 |
| Port Neches | $5,595 |
| Port O Connor | $6,168 |
| Port O’Connor | $8,306 |
| Porter | $4,053 |
| Porter Heights | $4,038 |
| Portland | $5,783 |
| Post | $5,103 |
| Poteet | $2,913 |
| Poth | $3,045 |
| Potosi | $4,832 |
| Pottsboro | $4,791 |
| Pottsville | $3,349 |
| Powderly | $4,251 |
| Powell | $3,929 |
| Poynor | $3,166 |
| Prairie Hill | $3,861 |
| Prairie Lea | $2,722 |
| Prairie View | $4,194 |
| Premont | $4,273 |
| Presidio | $2,961 |
| Preston | $4,797 |
| Price | $3,086 |
| Priddy | $3,609 |
| Primera | $3,602 |
| Princeton | $4,550 |
| Proctor | $3,614 |
| Progreso | $4,122 |
| Prosper | $4,706 |
| Providence | $4,888 |
| Purdon | $3,210 |
| Purmela | $2,894 |
| Putnam | $4,067 |
| Pyote | $3,620 |
| Quail | $4,757 |
| Quail Creek | $4,553 |
| Quanah | $5,859 |
| Queen City | $4,043 |
| Quemado | $2,873 |
| Quinlan | $4,442 |
| Quitaque | $4,552 |
| Quitman | $3,899 |
| Rainbow | $3,876 |
| Ralls | $5,069 |
| Rancho Alegre | $4,135 |
| Rancho Chico | $4,672 |
| Rancho Viejo | $3,345 |
| Randolph | $3,561 |
| Randolph AFB | $3,032 |
| Ranger | $4,492 |
| Rankin | $3,873 |
| Ransom Canyon | $4,314 |
| Ratcliff | $3,007 |
| Ravenna | $4,339 |
| Raymondville | $3,780 |
| Raywood | $4,039 |
| Reagan | $2,902 |
| Realitos | $3,231 |
| Red Oak | $4,281 |
| Red Rock | $3,095 |
| Redford | $2,723 |
| Redwater | $3,552 |
| Redwood | $2,901 |
| Refugio | $4,662 |
| Reid Hope King | $3,854 |
| Reklaw | $3,126 |
| Rendon | $4,913 |
| Reno | $4,625 |
| Rhome | $5,322 |
| Ricardo | $3,814 |
| Rice | $3,947 |
| Richards | $3,634 |
| Richardson | $4,712 |
| Richland | $3,835 |
| Richland Hills | $5,029 |
| Richland Springs | $3,096 |
| Richmond | $5,793 |
| Richwood | $5,822 |
| Riesel | $3,456 |
| Ringgold | $4,419 |
| Rio Bravo | $2,773 |
| Rio Frio | $2,910 |
| Rio Grande City | $2,879 |
| Rio Hondo | $3,808 |
| Rio Medina | $2,795 |
| Rio Vista | $4,517 |
| Rising Star | $4,533 |
| River Oaks | $5,022 |
| Riviera | $4,227 |
| Roanoke | $4,780 |
| Roans Prairie | $3,120 |
| Roaring Springs | $4,531 |
| Robert Lee | $4,823 |
| Robinson | $3,513 |
| Robstown | $4,639 |
| Roby | $5,055 |
| Rochelle | $4,469 |
| Rochester | $5,662 |
| Rock Island | $3,733 |
| Rockdale | $3,211 |
| Rockport | $6,458 |
| Rocksprings | $3,080 |
| Rockwall | $4,444 |
| Rockwood | $3,896 |
| Rogers | $3,447 |
| Rollingwood | $2,914 |
| Roma | $2,783 |
| Roman Forest | $4,284 |
| Romayor | $4,562 |
| Roosevelt | $2,947 |
| Ropesville | $4,646 |
| Rosanky | $2,736 |
| Roscoe | $5,244 |
| Rosebud | $3,377 |
| Rosenberg | $5,928 |
| Rosharon | $5,589 |
| Rosita | $2,717 |
| Ross | $3,234 |
| Rosser | $3,650 |
| Rosston | $4,377 |
| Rotan | $5,044 |
| Round Mountain | $2,823 |
| Round Rock | $2,985 |
| Round Top | $3,388 |
| Rowena | $4,591 |
| Rowlett | $4,630 |
| Roxton | $4,228 |
| Royse City | $4,273 |
| Rule | $5,174 |
| Runaway Bay | $5,406 |
| Runge | $3,483 |
| Rusk | $3,567 |
| Rye | $4,524 |
| Sabinal | $3,093 |
| Sabine Pass | $5,519 |
| Sachse | $4,597 |
| Sacul | $3,171 |
| Sadler | $4,726 |
| Saginaw | $5,016 |
| Saint Hedwig | $3,176 |
| Salado | $3,229 |
| Salineno | $2,813 |
| Salt Flat | $2,849 |
| Saltillo | $4,183 |
| Sam Norwood | $4,730 |
| Sam Rayburn | $3,692 |
| San Angelo | $4,406 |
| San Antonio | $2,975 |
| San Augustine | $3,625 |
| San Benito | $3,672 |
| San Carlos I | $2,793 |
| San Diego | $3,530 |
| San Elizario | $2,368 |
| San Felipe | $3,271 |
| San Isidro | $2,752 |
| San Juan | $3,956 |
| San Leon | $7,941 |
| San Marcos | $2,928 |
| San Patricio | $4,464 |
| San Saba | $3,629 |
| San Ygnacio | $2,722 |
| Sand Springs | $4,641 |
| Sanderson | $3,357 |
| Sandia | $4,036 |
| Sanford | $4,596 |
| Sanger | $4,765 |
| Sansom Park | $5,021 |
| Santa Anna | $4,641 |
| Santa Elena | $2,722 |
| Santa Fe | $6,138 |
| Santa Maria | $3,165 |
| Santa Rosa | $3,604 |
| Santo | $5,328 |
| Saragosa | $2,965 |
| Saratoga | $4,504 |
| Sarita | $3,511 |
| Satin | $2,854 |
| Savannah | $4,886 |
| Savoy | $4,604 |
| Scenic Oaks | $3,009 |
| Schertz | $2,908 |
| Schulenburg | $3,249 |
| Schwertner | $2,872 |
| Scotland | $4,806 |
| Scottsville | $3,385 |
| Scroggins | $4,060 |
| Scurry | $4,263 |
| Seabrook | $10,422 |
| Seadrift | $6,316 |
| Seagoville | $4,825 |
| Seagraves | $4,515 |
| Sealy | $4,115 |
| Sebastian | $3,876 |
| Seguin | $2,856 |
| Selma | $3,033 |
| Selman City | $3,085 |
| Seminole | $4,514 |
| Serenada | $3,055 |
| Seth Ward | $5,077 |
| Seven Points | $3,901 |
| Seymour | $5,705 |
| Shady Hollow | $2,811 |
| Shady Shores | $4,744 |
| Shallowater | $4,924 |
| Shamrock | $5,643 |
| Shavano Park | $2,966 |
| Sheffield | $3,234 |
| Shelbyville | $3,684 |
| Sheldon | $6,253 |
| Shenandoah | $3,600 |
| Shepherd | $4,035 |
| Sheppard AFB | $4,848 |
| Sheridan | $3,050 |
| Sherman | $4,700 |
| Sherwood Shores | $4,779 |
| Shiner | $3,433 |
| Shiro | $3,102 |
| Shoreacres | $8,429 |
| Sidney | $3,657 |
| Sienna Plantation | $6,274 |
| Sierra Blanca | $3,051 |
| Siesta Acres | $2,708 |
| Siesta Shores | $2,698 |
| Silsbee | $4,521 |
| Silver | $4,102 |
| Silverton | $5,310 |
| Simms | $4,063 |
| Simonton | $4,136 |
| Sinton | $4,672 |
| Skellytown | $5,508 |
| Skidmore | $4,666 |
| Slaton | $5,077 |
| Slidell | $4,443 |
| Smiley | $3,316 |
| Smithville | $3,104 |
| Smyer | $4,629 |
| Snook | $2,976 |
| Snyder | $5,111 |
| Socorro | $2,345 |
| Somerset | $2,993 |
| Somerville | $3,454 |
| Sonora | $3,769 |
| Sour Lake | $4,811 |
| South Alamo | $3,936 |
| South Bend | $4,200 |
| South Houston | $6,305 |
| South Mountain | $3,266 |
| South Padre Island | $6,401 |
| South Plains | $4,528 |
| Southlake | $5,066 |
| Southmayd | $3,897 |
| Southside Place | $5,777 |
| Spade | $4,082 |
| Sparks | $2,337 |
| Spearman | $5,392 |
| Spicewood | $3,088 |
| Splendora | $4,291 |
| Spring | $4,381 |
| Spring Branch | $2,988 |
| Spring Valley Village | $5,444 |
| Springlake | $4,124 |
| Springtown | $5,126 |
| Spur | $5,246 |
| Spurger | $3,271 |
| St. Hedwig | $3,142 |
| St. Jo | $4,830 |
| St. Paul | $4,677 |
| Stafford | $5,932 |
| Stamford | $5,522 |
| Stanton | $4,709 |
| Staples | $2,672 |
| Star | $3,643 |
| Stephenville | $4,323 |
| Sterling City | $4,683 |
| Stinnett | $5,428 |
| Stockdale | $3,013 |
| Stonewall | $2,588 |
| Stowell | $5,793 |
| Stratford | $5,336 |
| Strawn | $5,382 |
| Streetman | $3,272 |
| Sublime | $2,955 |
| Sudan | $4,911 |
| Sugar Land | $5,755 |
| Sullivan City | $3,766 |
| Sulphur Bluff | $3,536 |
| Sulphur Springs | $4,177 |
| Summerfield | $4,161 |
| Sumner | $4,240 |
| Sundown | $4,602 |
| Sunnyvale | $4,860 |
| Sunray | $5,162 |
| Sunrise Beach Village | $3,263 |
| Sunset | $5,314 |
| Sunset Valley | $2,906 |
| Surfside Beach | $8,668 |
| Sutherland Springs | $2,937 |
| Sweeny | $5,349 |
| Sweet Home | $3,000 |
| Sweetwater | $5,052 |
| Sylvester | $4,304 |
| Taft | $4,746 |
| Taft Southwest | $4,719 |
| Tahoka | $4,957 |
| Talco | $3,806 |
| Talpa | $3,858 |
| Talty | $4,492 |
| Tarpley | $2,757 |
| Tarzan | $4,157 |
| Tatum | $3,683 |
| Taylor | $2,931 |
| Taylor Lake Village | $10,898 |
| Teague | $3,810 |
| Tehuacana | $3,280 |
| Telegraph | $2,895 |
| Telephone | $3,571 |
| Telferner | $3,840 |
| Tell | $4,603 |
| Temple | $3,238 |
| Tenaha | $3,546 |
| Tennessee Colony | $3,691 |
| Tennyson | $4,188 |
| Terlingua | $3,139 |
| Terrell | $4,321 |
| Terrell Hills | $3,083 |
| Texarkana | $3,902 |
| Texas City | $8,640 |
| Texhoma | $4,620 |
| Texline | $4,865 |
| The Colony | $4,816 |
| The Hills | $2,958 |
| The Woodlands | $3,919 |
| Thicket | $3,879 |
| Thomaston | $2,999 |
| Thompsons | $4,474 |
| Thorndale | $3,245 |
| Thornton | $3,263 |
| Thrall | $2,980 |
| Three Rivers | $4,158 |
| Throckmorton | $5,496 |
| Tiki Island | $8,952 |
| Tilden | $3,109 |
| Timberwood Park | $2,942 |
| Timpson | $3,605 |
| Tioga | $4,668 |
| Tivoli | $4,721 |
| Tokio | $4,033 |
| Tolar | $4,706 |
| Tom Bean | $4,597 |
| Tomball | $4,970 |
| Tool | $3,897 |
| Tornillo | $2,401 |
| Tow | $2,840 |
| Toyah | $3,220 |
| Toyahvale | $2,992 |
| Trent | $4,733 |
| Trenton | $4,224 |
| Trinidad | $3,793 |
| Trinity | $3,689 |
| Trophy Club | $4,783 |
| Troup | $3,619 |
| Troy | $3,148 |
| Tuleta | $4,384 |
| Tulia | $5,153 |
| Turkey | $5,426 |
| Tuscola | $4,752 |
| Tye | $4,885 |
| Tyler | $3,621 |
| Tynan | $3,894 |
| Umbarger | $4,625 |
| Universal City | $3,014 |
| University Park | $4,857 |
| Utopia | $2,897 |
| Uvalde | $3,046 |
| Uvalde Estates | $3,041 |
| Val Verde Park | $2,950 |
| Valentine | $2,712 |
| Valera | $4,591 |
| Valley Mills | $3,814 |
| Valley Spring | $2,930 |
| Valley View | $5,132 |
| Van | $4,006 |
| Van Alstyne | $4,541 |
| Van Horn | $2,964 |
| Van Vleck | $5,479 |
| Vancourt | $4,036 |
| Vanderpool | $2,760 |
| Vega | $5,031 |
| Venus | $4,356 |
| Veribest | $3,827 |
| Vernon | $5,827 |
| Victoria | $4,545 |
| Vidor | $4,704 |
| Villa Verde | $4,113 |
| Village Mills | $3,851 |
| Vinton | $2,384 |
| Voca | $3,778 |
| Von Ormy | $3,053 |
| Voss | $3,861 |
| Votaw | $4,478 |
| Waco | $3,539 |
| Wadsworth | $4,667 |
| Waelder | $3,282 |
| Waka | $4,695 |
| Wake Village | $4,016 |
| Walburg | $2,630 |
| Wall | $3,982 |
| Waller | $4,467 |
| Wallis | $4,689 |
| Wallisville | $5,499 |
| Walnut Springs | $4,179 |
| Warda | $2,774 |
| Waring | $2,654 |
| Warren | $3,933 |
| Warrenton | $2,918 |
| Washington | $3,784 |
| Waskom | $3,930 |
| Watauga | $5,002 |
| Water Valley | $4,060 |
| Waxahachie | $4,238 |
| Wayside | $4,731 |
| Weatherford | $5,081 |
| Webster | $7,662 |
| Weesatche | $3,796 |
| Weimar | $3,572 |
| Weinert | $4,798 |
| Weir | $2,609 |
| Welch | $4,249 |
| Wellborn | $2,816 |
| Wellington | $5,614 |
| Wellman | $3,975 |
| Wells | $3,649 |
| Wells Branch | $2,917 |
| Weslaco | $4,040 |
| West | $3,725 |
| West Alto Bonito | $2,885 |
| West Columbia | $5,598 |
| West Lake Hills | $2,917 |
| West Livingston | $3,775 |
| West Odessa | $4,436 |
| West Orange | $5,143 |
| West Point | $3,283 |
| West University Place | $5,769 |
| Westbrook | $5,126 |
| Westdale | $4,292 |
| Westhoff | $2,900 |
| Westlake | $4,998 |
| Westminster | $4,560 |
| Weston | $3,945 |
| Weston Lakes | $5,469 |
| Westover Hills | $5,006 |
| Westway | $2,407 |
| Westwood Shores | $3,694 |
| Westworth Village | $5,023 |
| Wharton | $5,178 |
| Wheeler | $5,653 |
| Wheelock | $2,874 |
| White Deer | $5,485 |
| White Oak | $3,511 |
| White Settlement | $5,089 |
| Whiteface | $4,254 |
| Whitehouse | $3,709 |
| Whitesboro | $4,862 |
| Whitewright | $4,606 |
| Whitharral | $4,013 |
| Whitney | $4,089 |
| Whitsett | $3,647 |
| Whitt | $4,329 |
| Wichita Falls | $5,662 |
| Wickett | $3,627 |
| Wiergate | $3,731 |
| Wild Peach Village | $5,629 |
| Wildorado | $4,536 |
| Willis | $3,869 |
| Willow City | $2,867 |
| Willow Park | $5,034 |
| Wills Point | $4,256 |
| Wilmer | $4,829 |
| Wilson | $4,954 |
| Wimberley | $2,972 |
| Windcrest | $3,020 |
| Windom | $3,565 |
| Windthorst | $5,640 |
| Wingate | $4,146 |
| Wink | $4,285 |
| Winnie | $5,829 |
| Winnsboro | $3,950 |
| Winona | $3,712 |
| Winters | $4,785 |
| Woden | $3,046 |
| Wolfe City | $4,287 |
| Wolfforth | $4,851 |
| Woodbranch | $4,296 |
| Woodcreek | $2,972 |
| Woodlake | $3,082 |
| Woodlawn | $3,394 |
| Woodsboro | $4,709 |
| Woodson | $5,455 |
| Woodville | $3,715 |
| Woodway | $3,425 |
| Wortham | $3,846 |
| Wrightsboro | $3,047 |
| Wyldwood | $3,077 |
| Wylie | $4,496 |
| Yancey | $2,805 |
| Yantis | $3,953 |
| Yoakum | $3,373 |
| Yorktown | $3,311 |
| Zapata | $2,678 |
| Zavalla | $3,676 |
| Zephyr | $4,300 |
What homeowners are seeing in Texas now
The cost of Texas homeowners insurance has gone up by 57% over the past five years. Much of this is blamed on a combination of inflation and extreme weather–related events and disasters. Insurance companies have been raising their rates to keep up with the growing costs of rebuilding homes.
Insurance companies have also started denying coverage to homes they consider too risky to insure. If you’re having a hard time getting home insurance, you may have to get coverage through the Texas FAIR Plan Association (TFPA). TFPA policies offer a little less coverage than standard home insurance and often cost more but are better than having no home insurance.
Texas home insurance for natural disasters
Standard home insurance doesn’t automatically cover all of the natural disasters that can affect Texas. Depending on where you live, you may need separate insurance to protect your home.
Floods
Standard home insurance does not cover flood damage, so you will have to buy flood insurance separately. Most flood insurance is purchased through the government-run National Flood Insurance Program (NFIP). However, a few private companies also offer it.
NFIP flood insurance costs an average of $966 a year in Texas, or $81 a month. Private flood insurance is sometimes cheaper. Private companies often also offer more coverage options, including loss of use
Tornadoes and hailstorms
In inland areas, normal home insurance covers damage from hail and wind, including tornadoes. However, if you live in Texas’ coastal areas, you will need to get separate windstorm insurance to protect against these risks.
The Texas Windstorm Insurance Association (TWIA) offers wind coverage in the state’s coastal counties. You can get a TWIA policy if normal companies won’t give you wind coverage, as long as your home is up to code.
Hurricanes and tropical storms
Windstorm insurance covers wind-related hurricane damage in coastal areas, but not flooding. Flood insurance protects against risks like coastal storm surges.
If you live in an inland area, normal home insurance covers wind damage from the remnants of coastal storms. However, you will need flood insurance to insure against flash flooding from the excessive rainfall that can accompany coastal storms.
Compare homeowners insurance companies in Texas
It’s important to compare quotes in Texas to avoid overpaying for home insurance. Quotes are free, no-obligation estimates of each company’s rates and coverage options.
- It’s normal for your dwelling limit to vary slightly by company. However, the information about your home should be accurate in each quote.
- Raising your deductible can lower your rate. Just make sure you have enough money in the bank to cover it if a disaster strikes.
- For apples-to-apples comparisons, your deductibles and coverage options should match up in your quotes.
- Most companies give you a big discount for bundling your home and auto policies. Get quotes for both policies at the same time to see each company’s combined rate.
- Ask about discounts. Most are automatically applied to your quote, but you don’t want any to get overlooked.
How LendingTree helps you find the right policy
Shopping for home insurance isn’t always straightforward — especially when availability and pricing can vary widely. LendingTree makes it easier by helping you explore options from multiple insurers, so you can find coverage that fits your home, location and budget.
How it works
Tell us about your home
Answer a few quick questions about your home, location and coverage needs.
Compare options from insurers
See quotes and typical rates from insurers that offer coverage in your area.
Choose the right policy
Review your options and pick the coverage that fits your needs and budget.
Frequently asked questions
Homeowners insurance is not required by law in Texas. However, lenders typically require it for a mortgage. Some homeowners associations also require it. Even if optional, it’s highly recommended in most other situations.
Extreme weather and rising construction costs are making home insurance more expensive in Texas. The growing severity of natural disasters has required insurance companies to rebuild more homes than normal. Inflation has increased the cost of rebuilding each one. Insurance companies have raised their rates to keep up with these growing expenses.
Shopping around, using discounts and raising your deductible can help you save money on Texas home insurance. Most companies give you a generous discount for bundling your home and auto insurance. Some also give you discounts for strengthening your roof and/or windows.
No. The equipment breakdown coverage that insurance companies offer typically only covers appliances and home systems for sudden mechanical or electrical failures. Home warranties also often cover breakdowns from wear and tear.
How we evaluated Texas home insurance companies
How we chose the best homeowners insurance in Texas
The rates shown in this article are based on an analysis of non-binding quotes obtained in February 2026 from Quadrant Information Services for sample homes in every Texas ZIP code. Unless otherwise noted, policies include:
- Dwelling coverage: $400,000
- Other structures: $40,000
- Personal property: $200,000
- Loss of use: $80,000
- Personal liability: $100,000
- Guest medical payments: $5,000
- Deductible: $1,000
How we create LendingTree ratings
Our team of insurance experts evaluates insurance companies across several categories, including average rates, discounts, coverage options, third-party customer service ratings and app/website experience. We use this information to create LendingTree ratings, which help us identify and recommend the best insurance companies for consumers.
For third-party customer service ratings, we included NAIC’s Complaint Index scores and financial strength ratings from A.M. Best. NAIC Complaint Index scores show how well companies treat customers over things like claims, while financial strength ratings from A.M. Best reflect the ability to pay out claims.
See our full editorial guidelines for further details.