Texas Releases Auto and Home Insurance Data for All 254 Counties

Texas insurance companies paid $8.74 billion in losses for wind, hail, water, fire, theft, liability, and vandalism claims in 2025 alone, and now, for the first time, Texans can see exactly how those losses break down in their own county.

Texas Border Business reports that the Texas Department of Insurance (TDI) has launched a suite of publicly accessible resources covering homeowners claims, county-level premiums, and both home and auto rate filings. According to Texas Border Business, Texas Insurance Commissioner Amanda Crawford framed the move as a direct push for consumer empowerment, giving every Texan a data-backed window into what insurers are actually paying out, and charging, where they live. If you carry a Texas auto insurance policy, a homeowners policy, or both, this data release changes how you should approach every renewal conversation.

Texas opens its insurance books to the public

The TDI has created three distinct publicly accessible resources: a homeowners losses-by-county page, a homeowners premium market overview, and a rate-filings search tool covering both home and auto insurance. Together, these tools represent a significant shift toward regulatory transparency, placing county-level claims and pricing data directly in consumers' hands rather than keeping it locked inside agency databases.

Texas Insurance Commissioner Amanda Crawford put it plainly: "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."

That statement, reported by Texas Border Business, captures exactly why this launch matters. When you know what insurers are paying out in your county, and what your neighbors are paying in premiums, you negotiate from a position of knowledge rather than guesswork.

The Save Max Quote Index, drawn from 3.3 million+ real quote requests, consistently shows that Texas drivers and homeowners who actively shop and compare rates before renewal find materially different pricing than those who simply allow a policy to auto-renew. The TDI data release gives those shoppers a powerful new baseline.

$8.74 billion in losses: what the 2025 claims data reveals

The headline figure from TDI's new homeowners losses-by-county page is striking: insurance companies paid out $8.74 billion in total losses across wind and hail, water, fire, theft, liability, and vandalism categories in 2025.

That number does not exist in a vacuum. It reflects the cumulative weight of Texas weather events, aging infrastructure, and a claims environment that insurers price carefully into every renewal.

The losses-by-county page breaks this total down geographically, showing the specific loss types and dollar amounts that companies paid when Texans filed home insurance claims. County-level granularity matters because a policyholder in a Gulf Coast county faces a very different loss profile than one in the Panhandle or the Hill Country. Seeing your own county's data lets you understand why your premium sits where it does.

"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.", Texas Insurance Commissioner Amanda Crawford

Six years of premium trends, broken down by county

The homeowners premium market overview page covers average annual premiums in every Texas county from 2019 to 2025, a six-year window that captures pandemic-era inflation, post-freeze market disruption, and the sustained uptick in severe weather events that reshaped Texas underwriting.

The page also shows average rate changes over that same period and identifies which insurance companies write the most premiums in the state.

Why does carrier concentration matter to you? When a small number of carriers dominate a county market, competitive pressure on pricing can be limited. Knowing which insurers are most active in your county helps you identify whether you are dealing with a crowded, competitive market or a thinner one where your best move is to look at carriers less prominent in your ZIP code. Comparing rates in neighboring Oklahoma or New Mexico can also add perspective on regional pricing patterns, especially for drivers who live near state lines.

Six years of premium trend data also gives you a conversation anchor. If your county's average premium rose steadily from 2019 through 2025, that trajectory should show up in TDI's data, and if your own premium moved faster than the county average, that gap deserves an explanation from your carrier.

Wind, hail, water, fire: how Texas losses stack up by peril

Wind and hail have dominated Texas homeowners losses for years. Since 2019, they have accounted for an average of 62% of all homeowners losses statewide, a share so large it shapes how every other peril is priced by comparison.

Here is how the four major loss categories tracked by TDI compare in terms of relative scale and coverage implications:

The 62% wind and hail figure is not just a statewide curiosity. It signals that if you have a high wind and hail deductible, often expressed as a percentage of your home's insured value rather than a flat dollar amount, a major storm event could leave you absorbing a much larger out-of-pocket cost than you expect.

Consumers in states with similarly severe weather profiles, like Louisiana, face comparable peril-concentration issues and have increasingly turned to policy-comparison tools to benchmark their deductible structures.

How to look up your carrier's rate filings before renewal

TDI's rate-filings search tool is the most directly actionable resource in the new data release for both auto and home policyholders.

The tool lets you search whether your home or auto insurance company has filed a rate change with TDI. Under Texas law, insurance companies must file their rates with TDI before they use those rates to set premiums, and TDI reviews each filing to confirm it complies with state law.

Here is what to look for when you run a search:

• Search your current carrier's name to see if a rate filing is pending or recently approved.
• Note the effective date of any approved filing, this tells you when new rates can legally be applied to your policy.
• Compare the filed rate change percentage against the county-level average rate change shown in the premium market overview.
• If your carrier's filed increase exceeds the county average increase, that is a signal to request competing quotes before your renewal date.
• Rate filings are public record, meaning you can view them without creating an account or providing personal information.

"Insurance companies must file their rates with TDI before they use them to set premiums. TDI reviews the filings to make sure they're following state laws."

This step costs you nothing and takes minutes. Yet most policyholders never check it, allowing carriers to move rates without consumer scrutiny.

What this means for you

Pull up TDI's homeowners losses-by-county page and the rate-filings search tool before your next renewal notice arrives, use your county's data and your carrier's filed rate history as negotiating context. Visit HelpInsure.com to compare sample rates and a company's financial rating and complaint index side by side. The SMQI shows that consumers who actively compare quotes routinely surface meaningfully different pricing than those who renew on autopilot. Use the Texas auto insurance market's new transparency tools as your starting point, then shop.

FAQ

Where can I find TDI's homeowners losses-by-county data?

TDI created a dedicated Texas homeowners losses-by-county page as part of this data release. It shows the loss types and dollar amounts paid by insurance companies when Texas homeowners filed claims, broken down by county, and covers multiple loss categories including wind and hail, water, fire, and theft, liability, and vandalism.

What does it mean if my carrier filed a rate change with TDI?

When an insurance company files a rate change, it means the company is requesting permission to adjust the premiums it charges policyholders. TDI reviews every filing before it can take effect to ensure it complies with state law. You can use TDI's rate-filings search tool to see whether your carrier has a pending or recently approved filing and, if so, what the change entails.

What is HelpInsure.com and how does it help me shop?

HelpInsure.com is a TDI-supported resource that lets Texas consumers compare sample rates and policies across multiple carriers. It also shows each company's financial rating and complaint index, giving you a fuller picture of carrier quality beyond just the quoted premium.

Why does wind and hail account for such a large share of Texas homeowners losses?

Wind and hail have averaged 62% of total homeowners losses in Texas since 2019, according to TDI data. Texas sits in the heart of tornado alley and faces repeated severe storm seasons, making wind and hail the single largest driver of claims by dollar volume. This concentration is a key reason Texas homeowners policies frequently carry separate, percentage-based wind and hail deductibles.

Can I use this data if I only have auto insurance, not home insurance?

Yes. TDI's rate-filings search tool covers both home and auto insurance rate filings. If you only carry an auto policy, you can still search your carrier's name to see whether a rate change has been filed and when it may take effect, giving you advance notice before your premium is adjusted at renewal.

About Taleah McGuire

Taleah McGuire is a Regional Analyst at Save Max Auto with 11+ years of insurance experience including senior roles at Kentucky Farm Bureau. She covers regulatory news, state-specific reform legislation, and traditional carrier coverage. Read more from Taleah McGuire →

Edited by Brooke Grissom.

Methodology

This article is grounded in the source linked above. Save Max Auto data points referenced here are drawn from the Save Max Quote Index (SMQI), a proprietary instrument reflecting 3,364,317 real consumer quote requests submitted to savemaxauto.com. State and carrier rankings reflect the lifetime dataset; year-over-year shifts reflect a rolling 12-month window. The index is refreshed monthly. External authority figures referenced (NAIC, NHTSA, state regulators) reflect the most recent public data releases available at time of writing.

Sources

• Primary source: Texas Border Business, "Texas Department of Insurance Opens Home and Auto Data to Help Consumers Shop Smart"