Storm Data and Insurance
Texas Now Publishes Real Insurance Loss and Premium Data by County - How to Use It
As of June 2026, the Texas Department of Insurance (TDI) publishes three genuinely new public data sets any homeowner can check directly: county-level homeowners insurance losses by cause, county-level average premiums from 2019 through 2025, and a searchable database of insurer rate filings. The first release shows wind and hail damage alone accounted for 62% of all Texas homeowner insurance losses since 2019, out of $8.74 billion in total 2025 losses across wind and hail, water, fire, and theft combined.
Direct Answer
As of June 2026, the Texas Department of Insurance (TDI) publishes three genuinely new public data sets any homeowner can check directly: county-level homeowners insurance losses by cause, county-level average premiums from 2019 through 2025, and a searchable database of insurer rate filings. The first release shows wind and hail damage alone accounted for 62% of all Texas homeowner insurance losses since 2019, out of $8.74 billion in total 2025 losses across wind and hail, water, fire, and theft combined.
What TDI's new public data actually shows
This is different from the site's existing TDI-complaints guide, which covers complaints filed against insurers. This is TDI's own loss and premium data - what actually got paid out, and what premiums actually cost, by county.
- TDI's "Texas homeowners losses by county" page shows real dollar-figure losses by cause (wind and hail; water; fire; theft) for your specific county, not just a statewide average buried in a press release.
- TDI's "Texas homeowners insurance market overview" page shows average annual premiums by county from 2019 through 2025, along with rate-change history and which insurers write the most policies in your area.
- TDI's new rate-filings search lets you check whether your own insurer has actually filed a rate change with the state - a real way to check a renewal increase against the insurer's own filed paperwork rather than taking a renewal notice's stated reason at face value.
- Statewide, wind and hail damage represents 62% of homeowner insurance losses since 2019 - the single largest loss category, ahead of water damage, fire, and theft combined.
- TDI suggests pairing this data with HelpInsure.com, the state's own rate-comparison tool, when shopping for coverage.
- This is regional and statewide pattern data, not a prediction for any one homeowner's individual premium - insurers still price using dozens of factors specific to your home, your claims history, and your coverage choices.
What this new transparency means for a hail-corridor homeowner
- If your county's own loss data shows wind and hail as the dominant claim cause - as it does across nearly all of the DFW, San Antonio, and Houston metro service area - that's real, citable support for prioritizing a proactive roof inspection before storm season rather than waiting for obvious damage.
- Comparing your own premium trend against your specific county's 2019-2025 average, instead of a national headline number, gives a more accurate read on whether a renewal increase tracks local risk trends or is worth shopping around over.
- The rate-filings search is a free way to check an insurer's stated reason for a renewal increase against what they actually filed with the state.
Sources
The data above is cited directly from these publishers - follow the links to read the original reporting.
Frequently Asked Questions
Where exactly do I find this TDI data?
Search tdi.texas.gov directly for "Texas homeowners losses by county," "Texas homeowners insurance market overview," and the home and auto insurance rate filings search - all three were published as part of TDI's June 2026 transparency announcement.
Does this replace what my insurer tells me at renewal?
No - it complements it. Use it alongside the documentation and dispute steps in this site's other Insurance and Claims guides if a renewal increase or a claim outcome doesn't line up with what the county-level data would suggest.
How is this different from the TDI complaints data already covered on this site?
The existing complaints guide covers complaints homeowners filed against insurers - a measure of dissatisfaction. This new data is different: actual dollar losses paid out by cause, and actual average premiums, by county - a measure of real cost and risk, not complaints.