What does the Wind line in the Texas Department of Insurance county data measure?

Paid losses on homeowners policies where the cause of loss is wind. The file has five loss types (Fire, Water, Wind, Other and Total Paid Loss) and no separate hail line, so hail is part of the Wind figure or not in the file. It covers homeowners policies only, not renters, condo or dwelling policies.

Which Texas county had the most wind paid losses in 2025?

Collin County, at $622,698,138 paid, or $2,247 per policy across 277,171 policies in force. The Texas Department of Insurance reports the figure for calendar year 2025.

Which county had the highest wind loss per policy in 2025?

Oldham County at $8,863 per policy, on 325 policies in force. Small counties swing widely because one storm spread over few policies moves the average, so read loss per policy beside the policy count.

How much did Bexar County homeowners insurers pay for wind in 2025 compared with 2019?

$248,077,504 in 2025 and $269,179,484 in 2019, a change of -8%. Loss per policy went from $728 to $594.

Among the six counties charted, which rose fastest in wind loss per policy from 2019 to 2025?

Travis County, from $194 to $897 per policy, a change of 362%.

How many counties and years does the file cover?

254 counties and 7 calendar years, 2019 to 2025. In 2025 the counties' wind paid losses add up to $5,763,307,804, of which the 25 largest counties account for $4,836,837,997.

Can I download the wind and hail numbers?

Yes. The CSV on this page has one row per county per year with the wind paid loss, loss per policy, annual change and policies in force, cleaned to plain numbers. The original file is on the Texas Department of Insurance site.

Texas Wind And Hail Insurance Losses By County

Source: Texas Department of Insurance, homeowners losses by county. Calendar years 2019 to 2025. File downloaded 2026-10-10.

What This Data Is And Is Not

The Texas Department of Insurance publishes the amount insurers paid on accepted homeowners claims, by county, year and loss type. The Wind line is the file's wind category. The file has no separate hail line, so hail losses sit in the Wind figure or are not in the file. The figures cover homeowners policies. Renters, condo and dwelling policies are excluded.

Missing by design: TDI states these figures exclude wind and hail losses paid by the Texas Windstorm Insurance Association, which covers 14 coastal counties and part of Harris County east of Highway 146. Coastal county totals therefore understate what wind cost there. A paid loss is money an insurer paid on a claim, not damage that happened: a roof that went unclaimed, or a claim below the deductible, is not in it.

2025 Top 25 Counties By Wind Paid Losses

Ranked by paid losses for calendar year 2025. Loss per policy is paid losses divided by active policies, as the Texas Department of Insurance defines it. Together the 25 counties paid $4,836,837,997, against $5,763,307,804 across all 254 counties.

Rank	County	Wind paid losses	Loss per policy	Policies in force
1	Collin	$622,698,138	$2,247	277,171
2	Tarrant	$594,522,977	$1,420	418,763
3	Lubbock	$380,144,444	$6,013	63,223
4	Harris	$380,003,155	$490	774,943
5	Dallas	$356,573,530	$885	403,082
6	Denton	$302,058,223	$1,294	233,349
7	Bexar	$248,077,504	$594	417,962
8	Travis	$245,245,694	$897	273,370
9	Ellis	$211,195,671	$3,849	54,875
10	Williamson	$172,778,612	$1,135	152,186
11	Johnson	$149,865,462	$3,084	48,595
12	Parker	$145,216,739	$3,675	39,511
13	Randall	$126,552,407	$3,270	38,697
14	Montgomery	$117,034,701	$682	171,529
15	Bell	$112,261,843	$1,421	79,003
16	Wichita	$109,005,708	$3,910	27,876
17	Brazos	$95,636,565	$2,581	37,048
18	Fort Bend	$93,336,871	$496	188,301
19	Potter	$61,260,610	$3,088	19,837
20	Grayson	$60,360,894	$1,726	34,978
21	Hood	$53,416,730	$2,833	18,857
22	Hidalgo	$52,022,900	$534	97,440
23	Kerr	$51,760,786	$4,095	12,641
24	Smith	$48,557,879	$1,016	47,770
25	Hays	$47,249,954	$707	66,853

Seven Years, Six Counties

Wind paid losses in six large counties, 2019 to 2025. Counties are listed in the table below the chart.

Wind paid losses in millions of dollars, with loss per policy beneath. Exact figures are in the CSV.
County	2019	2020	2021	2022	2023	2024	2025
Bexar	$269.2M $728	$310.4M $804	$211.9M $528	$118.5M $288	$186.3M $450	$204.9M $492	$248.1M $594
Dallas	$816.4M $1,994	$640.4M $1,543	$299.9M $709	$251.8M $592	$380M $903	$463.8M $1,119	$356.6M $885
Tarrant	$401.5M $996	$455.7M $1,096	$797.2M $1,880	$278.9M $651	$494M $1,153	$593.8M $1,384	$594.5M $1,420
Collin	$566M $2,429	$118.6M $488	$169M $676	$170.6M $668	$767.8M $2,896	$432.1M $1,574	$622.7M $2,247
Harris	$283.8M $395	$286.5M $384	$278.2M $356	$212.6M $265	$390.6M $487	$975.3M $1,223	$380M $490
Travis	$47.4M $194	$51.7M $202	$398.8M $1,492	$124.5M $454	$295.2M $1,070	$292.8M $1,063	$245.2M $897

Download The Data

Download the Wind rows for every county and year as CSV: year, county, wind paid losses, loss per policy, annual change in loss per policy and policies in force, as plain numbers. Open, no email gate.

Frequently Asked Questions

What does the Wind line in the Texas Department of Insurance county data measure?: Paid losses on homeowners policies where the cause of loss is wind. The file has five loss types (Fire, Water, Wind, Other and Total Paid Loss) and no separate hail line, so hail is part of the Wind figure or not in the file. It covers homeowners policies only, not renters, condo or dwelling policies.
Which Texas county had the most wind paid losses in 2025?: Collin County, at $622,698,138 paid, or $2,247 per policy across 277,171 policies in force. The Texas Department of Insurance reports the figure for calendar year 2025.
Which county had the highest wind loss per policy in 2025?: Oldham County at $8,863 per policy, on 325 policies in force. Small counties swing widely because one storm spread over few policies moves the average, so read loss per policy beside the policy count.
How much did Bexar County homeowners insurers pay for wind in 2025 compared with 2019?: $248,077,504 in 2025 and $269,179,484 in 2019, a change of -8%. Loss per policy went from $728 to $594.
Do these figures include coastal windstorm losses?: No. TDI states these figures exclude wind and hail losses paid by the Texas Windstorm Insurance Association, which covers 14 coastal counties and part of Harris County east of Highway 146. Losses in those areas are paid by the association and are not in this file, so coastal county totals understate what wind cost there.
Among the six counties charted, which rose fastest in wind loss per policy from 2019 to 2025?: Travis County, from $194 to $897 per policy, a change of 362%.
How many counties and years does the file cover?: 254 counties and 7 calendar years, 2019 to 2025. In 2025 the counties' wind paid losses add up to $5,763,307,804, of which the 25 largest counties account for $4,836,837,997.
Can I download the wind and hail numbers?: Yes. The CSV on this page has one row per county per year with the wind paid loss, loss per policy, annual change and policies in force, cleaned to plain numbers. The original file is on the Texas Department of Insurance site.

Sources

Texas Department of Insurance. Homeowners losses by county, source file home-owners-losses-by-county-25.csv. https://tdi.texas.gov/consumer/homeowners-losses-by-county.html. The Department cites the Texas Statistical Plan for Residential Risks as the source.
Texas Windstorm Insurance Association. Coverage area and exclusion, as stated on the Texas Department of Insurance page above.

Texas Wind And HailInsurance Losses By County