Texas insurance by county

All 254 counties, from Harris to Loving.

Each county guide shows the federal disaster record since 2000, whether the county is in TWIA's coastal wind area, what that means for home and car insurance, Medicare enrollment, the local Area Agency on Aging for free Medicare help, and every ZIP code.

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Texas counties
County	Population (2025)	FEMA declarations since 2000	TWIA area
Anderson County	59,805	20	No
Andrews County	18,914	12	No
Angelina County	88,154	16	No
Aransas County	26,146	22	Yes
Archer County	9,129	16	No
Armstrong County	1,843	12	No
Atascosa County	53,590	17	No
Austin County	33,625	18	No
Bailey County	6,963	13	No
Bandera County	22,876	13	No
Bastrop County	118,908	24	No
Baylor County	3,472	14	No
Bee County	32,515	18	No
Bell County	402,248	14	No
Bexar County	2,160,088	24	No
Blanco County	13,581	15	No
Borden County	567	11	No
Bosque County	18,918	19	No
Bowie County	92,696	18	No
Brazoria County	419,080	23	Yes
Brazos County	249,088	14	No
Brewster County	9,458	12	No
Briscoe County	1,474	12	No
Brooks County	6,579	18	No
Brown County	38,711	18	No
Burleson County	20,549	15	No
Burnet County	57,015	16	No
Caldwell County	55,150	19	No
Calhoun County	19,599	22	Yes
Callahan County	14,491	19	No
Cameron County	433,946	23	Yes
Camp County	13,380	11	No
Carson County	5,805	12	No
Cass County	28,651	21	No
Castro County	7,295	11	No
Chambers County	57,594	17	Yes
Cherokee County	53,337	20	No
Childress County	6,643	11	No
Clay County	10,764	15	No
Cochran County	2,546	12	No
Coke County	3,412	14	No
Coleman County	7,915	14	No
Collin County	1,297,179	13	No
Collingsworth County	2,487	11	No
Colorado County	21,439	15	No
Comal County	209,166	19	No
Comanche County	14,432	13	No
Concho County	3,607	12	No
Cooke County	44,461	13	No
Coryell County	85,592	16	No
Cottle County	1,224	13	No
Crane County	4,554	10	No
Crockett County	2,769	13	No
Crosby County	4,852	12	No
Culberson County	2,267	10	No
Dallam County	7,508	9	No
Dallas County	2,661,397	17	No
Dawson County	11,776	12	No
DeWitt County	20,309	15	No
Deaf Smith County	18,626	12	No
Delta County	5,549	14	No
Denton County	1,069,346	16	No
Dickens County	1,692	12	No
Dimmit County	8,024	15	No
Donley County	3,213	14	No
Duval County	9,402	15	No
Eastland County	18,143	20	No
Ector County	173,801	12	No
Edwards County	1,370	16	No
El Paso County	877,858	12	No
Ellis County	240,867	17	No
Erath County	43,911	14	No
Falls County	17,869	12	No
Fannin County	39,265	14	No
Fayette County	25,459	15	No
Fisher County	3,692	13	No
Floyd County	4,881	12	No
Foard County	1,044	13	No
Fort Bend County	975,191	22	No
Franklin County	10,994	17	No
Freestone County	20,811	12	No
Frio County	18,823	16	No
Gaines County	23,956	11	No
Galveston County	372,207	22	Yes
Garza County	4,510	13	No
Gillespie County	28,527	15	No
Glasscock County	1,128	10	No
Goliad County	7,208	16	No
Gonzales County	20,159	15	No
Gray County	20,919	12	No
Grayson County	153,613	14	No
Gregg County	126,095	15	No
Grimes County	34,252	23	No
Guadalupe County	201,111	17	No
Hale County	31,819	9	No
Hall County	2,737	15	No
Hamilton County	8,680	13	No
Hansford County	4,944	10	No
Hardeman County	3,292	12	No
Hardin County	58,723	23	No
Harris County	5,045,026	26	Partly
Harrison County	71,956	21	No
Hartley County	4,904	11	No
Haskell County	5,499	13	No
Hays County	304,390	19	No
Hemphill County	3,083	12	No
Henderson County	88,595	17	No
Hidalgo County	921,549	24	No
Hill County	39,503	17	No
Hockley County	21,600	12	No
Hood County	70,501	15	No
Hopkins County	39,063	17	No
Houston County	22,316	19	No
Howard County	30,504	15	No
Hudspeth County	3,433	10	No
Hunt County	123,336	13	No
Hutchinson County	19,633	15	No
Irion County	1,463	10	No
Jack County	9,563	13	No
Jackson County	15,393	16	No
Jasper County	33,075	25	No
Jeff Davis County	1,711	16	No
Jefferson County	254,321	19	Yes
Jim Hogg County	4,555	18	No
Jim Wells County	38,804	23	No
Johnson County	218,048	12	No
Jones County	20,861	19	No
Karnes County	15,018	12	No
Kaufman County	209,235	14	No
Kendall County	53,289	18	No
Kenedy County	319	17	Yes
Kent County	674	12	No
Kerr County	54,037	15	No
Kimble County	4,438	17	No
King County	192	13	No
Kinney County	3,128	12	No
Kleberg County	30,315	20	Yes
Knox County	3,192	13	No
La Salle County	6,517	16	No
Lamar County	51,503	16	No
Lamb County	12,579	12	No
Lampasas County	23,657	14	No
Lavaca County	20,651	12	No
Lee County	18,729	17	No
Leon County	16,894	20	No
Liberty County	121,364	25	No
Limestone County	22,849	13	No
Lipscomb County	2,955	9	No
Live Oak County	11,929	19	No
Llano County	23,353	12	No
Loving County	52	9	No
Lubbock County	328,906	14	No
Lynn County	6,017	14	No
Madison County	14,226	20	No
Marion County	9,896	16	No
Martin County	5,284	11	No
Mason County	3,990	15	No
Matagorda County	36,463	19	Yes
Maverick County	58,823	13	No
McCulloch County	7,472	15	No
McLennan County	272,020	13	No
McMullen County	544	14	No
Medina County	56,881	14	No
Menard County	1,956	16	No
Midland County	187,855	15	No
Milam County	26,258	17	No
Mills County	4,580	12	No
Mitchell County	8,947	11	No
Montague County	21,966	16	No
Montgomery County	781,194	27	No
Moore County	21,891	12	No
Morris County	12,133	15	No
Motley County	1,043	13	No
Nacogdoches County	66,035	20	No
Navarro County	57,181	18	No
Newton County	11,954	24	No
Nolan County	14,117	15	No
Nueces County	352,992	24	Yes
Ochiltree County	9,284	10	No
Oldham County	1,783	11	No
Orange County	86,266	22	No
Palo Pinto County	30,791	19	No
Panola County	23,018	17	No
Parker County	184,767	16	No
Parmer County	9,678	11	No
Pecos County	14,560	12	No
Polk County	53,434	20	No
Potter County	114,453	17	No
Presidio County	5,433	12	No
Rains County	13,542	12	No
Randall County	152,351	15	No
Reagan County	3,166	10	No
Real County	2,745	16	No
Red River County	11,816	18	No
Reeves County	12,138	11	No
Refugio County	6,657	21	Yes
Roberts County	867	12	No
Robertson County	17,839	14	No
Rockwall County	140,738	11	No
Runnels County	9,693	10	No
Rusk County	54,854	17	No
Sabine County	10,012	20	No
San Augustine County	7,722	20	No
San Jacinto County	29,488	22	No
San Patricio County	72,053	25	Yes
San Saba County	5,787	16	No
Schleicher County	2,245	13	No
Scurry County	16,162	12	No
Shackelford County	3,197	13	No
Shelby County	24,286	19	No
Sherman County	2,781	9	No
Smith County	252,549	23	No
Somervell County	10,261	14	No
Starr County	66,319	18	No
Stephens County	9,380	18	No
Sterling County	1,349	11	No
Stonewall County	1,186	13	No
Sutton County	3,203	15	No
Swisher County	6,703	11	No
Tarrant County	2,248,466	18	No
Taylor County	150,077	15	No
Terrell County	702	12	No
Terry County	11,720	12	No
Throckmorton County	1,554	14	No
Titus County	31,563	16	No
Tom Green County	120,602	15	No
Travis County	1,389,670	30	No
Trinity County	14,384	19	No
Tyler County	20,443	23	No
Upshur County	44,410	16	No
Upton County	3,131	10	No
Uvalde County	24,963	16	No
Val Verde County	47,835	14	No
Van Zandt County	66,130	15	No
Victoria County	92,656	20	No
Walker County	83,842	29	No
Waller County	69,858	22	No
Ward County	11,125	9	No
Washington County	38,288	16	No
Webb County	281,224	19	No
Wharton County	42,060	19	No
Wheeler County	4,773	12	No
Wichita County	129,555	16	No
Wilbarger County	12,481	13	No
Willacy County	19,971	21	Yes
Williamson County	752,827	19	No
Wilson County	56,139	14	No
Winkler County	7,540	10	No
Wise County	83,778	14	No
Wood County	49,688	14	No
Yoakum County	7,438	9	No
Young County	18,154	14	No
Zapata County	13,753	13	No
Zavala County	9,037	15	No

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Sources

County and city population estimates, Vintage 2025, U.S. Census Bureau. Checked September 30, 2026.
OpenFEMA Disaster Declarations Summaries (Texas, 2000 onward), Federal Emergency Management Agency. Checked September 30, 2026.
Coverage and eligibility, Texas Windstorm Insurance Association. Checked September 30, 2026.

General information only, not insurance advice. Coverage, availability and terms vary by insurer and are subject to underwriting. Local figures come from public data sources listed on each page. Quote My Policy is operated by an insurance agent licensed in Texas. Nothing here binds coverage.