Hail (DFW, San Antonio, Hill Country)
North Texas sees more billion-dollar hailstorms than anywhere in the U.S. Most TX policies now carry a percentage wind/hail deductible.
Texas homeowners
Texas homeowners insurance, decoded.
Hail in DFW, hurricanes on the Gulf, freezes statewide. Texas policies layer percentage deductibles and ACV roof endorsements that catch homeowners off guard. Upload your dec page — we'll show you exactly what your coverage does at claim time.
#1
U.S. hail losses (total $)
Texas leads the country in hail-related insured losses
1–5%
Wind/hail deductible
Percentage-based across most of the state
+70%
Avg. TX premium increase 2019–2024
TDI rate-filing data
Local perils
The perils that shape every Texas policy.
These are the risks Texas carriers price into your premium — and the ones that decide most claims.
Hurricane (Gulf coast)
Coastal counties — Harris, Galveston, Brazoria, Nueces, Cameron — carry separate named-storm or hurricane deductibles (often 2–5%).
Freeze (statewide)
Post-Uri (2021), carriers tightened 'heat maintained' language and added winter-storm sub-limits. Burst-pipe claims are scrutinized.
Wildfire (Hill Country, west TX)
Growing exposure in the Hill Country and west of Austin. Some carriers now restrict new business in higher-risk WUI ZIPs.
Why Texas is different.
Texas is the largest and most complex homeowners insurance market in the country. The same carrier can underwrite three radically different policies in Dallas, Houston, and El Paso — different deductibles, different perils, different exclusions.
After hailstorms in 2016, 2019, and 2023, and Hurricane Harvey in 2017, carriers added percentage deductibles, ACV roof endorsements, and cosmetic-damage exclusions across most of the state. The summary page of a Texas policy almost never reflects what gets paid at claim time.
Texas audit
The 4 things we check on every Texas policy.
These line items quietly cost Texas homeowners the most after a claim. Our AI reviewer flags each one against your declarations page.
Percentage wind/hail deductible
1–5% of dwelling — applied per event. A 2% on a $500k home is $10,000 every hailstorm.
Named-storm / hurricane deductible (coast)
Separate trigger from wind/hail. Activates when the National Weather Service names the storm.
ACV roof endorsement
Common on roofs >10 years old. Pays depreciated value instead of replacement.
Cosmetic damage exclusion
Frequent on metal roofs in the Hill Country and DFW — hail dents may not be covered.
Texas homeowners insurance: FAQ
How much is homeowners insurance in Texas?
Texas averages $2,800–$4,200/year, the highest in the country. Coastal counties and high-hail DFW zips run higher.
What's a named-storm deductible in Texas?
A separate percentage deductible (typically 2–5% of dwelling coverage) that triggers when a named tropical storm or hurricane causes the damage. Coastal counties require it; some inland coastal-adjacent counties also.
Does Texas require a separate windstorm policy?
On the immediate Gulf coast, many homeowners carry a Texas Windstorm Insurance Association (TWIA) policy for wind/hail and a separate homeowners policy for everything else. TWIA is the residual market for high-risk coastal properties.
Which carriers write the most policies in Texas?
State Farm Lloyds, Allstate, USAA, Farmers, and Liberty Mutual lead. The independent market — Travelers, Nationwide, ASI/Progressive — is strong in non-coastal regions.
Nearby state guides
General information, not legal or financial advice. Coverage, carriers and discounts vary by Texas jurisdiction.