# Texas home insurance costs skyrocket as lawmakers debate solutions

> Texas lawmakers investigate 79% home insurance cost surge for relief.
- Title: Texas home insurance costs skyrocket as lawmakers debate…
- Summary: Texas lawmakers investigate 79% home insurance cost surge for relief. Texas home insurance premiums rose 79% from 2020 to 2026 due to home value increases…
- Keywords: texas, home insurance, homeowner's premium, texas house insurance committee, texas legislature, home insurance costs, texas department of insurance, home values, severe weather losses, wind damage, hail damage, texas insurance rates
- Source: FOX 4 News Dallas-Fort Worth — https://fox4news.com/news/texas-home-insurance-costs-skyrocket-lawmakers-debate-solutions
- Author: Alex Boyer
- Published: 2026-10-05T00:00:00+00:00
- Read time: 1 min
- Topics: texas, home insurance, homeowner's premium, texas house insurance committee, texas legislature, home insurance costs, texas department of insurance, home values, severe weather losses, wind damage, hail damage, texas insurance rates
## Texas lawmakers investigate home insurance costs
Texas state lawmakers are investigating rising homeowner's insurance costs in recent years for potential relief.
## Home insurance premiums rose 79% from 2020 to 2026
Home insurance premiums increased 79% from 2020 to 2026 due to home value increases and severe weather losses.
## Texas House Insurance Committee meets to address costs
Texas House Insurance Committee held a marathon meeting to investigate root causes and strategies for lowering insurance rates.
## Average premium jumped from $2,000 to $3,500
The average homeowner's premium in Texas increased from under $2,000 in 2020 to over $3,500 in 2026.
## Severe weather causes $5.8 billion in losses
Texas Department of Insurance Commissioner Amanda Crawford reported $5.8 billion in wind and hail damage losses in 2025.
## Experts warn of insurance affordability barriers
Insurance experts say North Texas faces hail risks and high costs due to concentrated home populations.
## Key takeaway

Texas home insurance premiums rose 79% from 2020 to 2026 due to home value increases and severe weather losses, with lawmakers seeking solutions before next legislative session.