Insurance
How Much Does Home Insurance Cost in Houston, TX?
Average annual homeowners insurance premium. Updated March 2026 with data from BLS, U.S. Census Bureau, and industry surveys.
Avg Cost
$2.160
4% below avg
Cost Range
$960 – $3.360
National Avg
$2.250
State Avg
$2.165
Cost Index
96/100
Cost Overview
Typical Cost Range
$960 – $3.360
-4% vs national average
$960$2.160$3.360
LowNational avg: $2.250High
Houston vs State & National Average
| Category | Houston | Texas Avg | National Avg |
|---|---|---|---|
| Average cost | $2.160 | $2.165 | $2.250 |
| Low estimate | $960 | $1.624 | $1.688 |
| High estimate | $3.360 | $2.815 | $2.925 |
Detailed Cost Breakdown
| Item | Low | High | |
|---|---|---|---|
| Low estimate | $1.000 | $1.200 | |
| Average | $2.025 | $2.475 | |
| High estimate | $2.800 | $3.500 |
Compare Houston with Other Cities
See how home insurance costs compare across the country.
Home Insurance in Nearby Cities
Frequently Asked Questions
How much does home insurance cost in Houston?
In Houston, TX, home insurance typically costs between $960 and $3.360. The average is $2.160, which is 4% below the national average.
Is Houston expensive for home insurance?
Houston has a cost-of-living index of 96 (100 = national average). Home Insurance costs are 4% lower than the national average of $2.250.
What factors affect home insurance costs in Houston?
Key factors include local labor costs, cost of materials, market competition, Texas state regulations, and Houston's overall cost of living (index: 96/100). Prices can also vary by season and specific requirements.