What will your Texas FAIR Plan policy actually cost?
TFPA doesn't publish a public rate manual, and it isn't sold direct-to-consumer — you can only get a real number through a licensed Texas agent. This tool scales a cited statewide average by your coverage amount and area, and flags whether you're in TWIA's coastal zone and likely need a second policy for wind/hail.
Estimate your TFPA Homeowners premium.
Nothing here is sent anywhere — the math runs in your browser. This models TFPA's Homeowners policy (the broadest named-peril form most non-renewed homeowners apply for) — see "How this is estimated" below for the exact reference data and its limits.
- Anchored to a real cited reference: Policygenius put the statewide average TFPA Homeowners premium at about $4,250/year for $300,000 in dwelling coverage (Feb. 2024) — roughly 46% above standard Texas homeowners insurance. This tool scales that figure linearly by your selected coverage amount.
- Carried forward using the Texas Department of Insurance's most recently approved TFPA Homeowners rate change: a −2.6% statewide average, effective September 1, 2026 (Commissioner's Order 2026-9939). Known gap: TDI also approved an earlier TFPA rate increase effective August 1, 2024 that this tool does not independently incorporate (no verified Homeowners-specific percentage for that filing was found) — so treat this estimate as a floor, not a ceiling.
- The "lower-cost" and "higher-cost" area bands are modeled proportionally around the statewide average, not from an official published territory rate table — TFPA doesn't release one publicly. They're grounded in Policygenius's own named cheapest/priciest counties (see above), not invented.
- Deductible choice (1% or 2% of dwelling coverage) also affects your real premium, but no public figure for that discount could be verified, so it isn't modeled here — ask your agent for the exact difference.
TFPA's rates moved in different directions by policy type and zone.
Effective September 1, 2026, TDI approved new statewide TFPA rates (Commissioner's Order 2026-9939), capped at ±25% per zone. The changes were anything but uniform:
| Policy type | Statewide average change |
|---|---|
| Tenant | −25.0% (capped down from −33.7%) |
| Condominium | −7.5% |
| Homeowners | −2.6% |
| Dwelling Fire (fire-only) | +3.5% |
| Dwelling Fire & Extended Coverage | +21.6% |
Homeowners rates also varied sharply by zone — Seacoast Tier 1 (coastal) dropped 21.6%, while Central North / Greater Dallas-Ft. Worth dropped 4.5% and Seacoast Tier 2 rose slightly (+0.3%). This calculator's "higher/lower-cost area" selector reflects typical cross-county cost differences (per Policygenius), not these specific zone-level rate changes — a rate change and an absolute price level are two different things, and TFPA hasn't published the latter.
What people ask before trusting a calculator.
How accurate is this Texas FAIR Plan calculator?
It's a ballpark, not a quote. TFPA doesn't publish a public rate-per-$1,000 manual, so this tool scales a cited statewide average by your coverage amount and a named area cost tier. For a real, address-specific number, TFPA policies are only sold through a licensed Texas property and casualty agent — TFPA doesn't sell direct-to-consumer, so an agent quote is the only way to get a bindable figure.
Does this estimate include wind and hail coverage?
It depends on where the property is. Outside the 14-county TWIA coastal catastrophe area (and the Harris County carve-out), TFPA's Homeowners policy generally includes wind/hail, and this estimate reflects that broader coverage. Inside that coastal zone, TFPA excludes wind/hail entirely — TWIA covers that peril instead through a separate policy — so this estimate is for the non-wind coverage only, and you'd add a TWIA premium on top. Check the coastal-zone box above to see that flagged.
Why did Texas FAIR Plan rates change in 2026?
The Texas Department of Insurance approved new TFPA rate filings effective September 1, 2026 (Commissioner's Order 2026-9939, filings S736102–S736105), developed using a loss-ratio method with a ±25% cap on any individual zone's increase or decrease. Homeowners policies saw a statewide average decrease of 2.6%, but it varied sharply by zone — Seacoast Tier 1 dropped 21.6% while Seacoast Tier 2 rose slightly. Dwelling Fire & Extended Coverage rose 21.6% statewide, Condominium fell 7.5%, and Tenant policies fell 25% (capped down from an indicated 33.7%).
How much coverage amount should I enter?
Use your home's estimated rebuild (replacement) cost, not its market value or purchase price. TFPA caps dwelling coverage at $1,000,000 — if your rebuild cost is higher than that, you'll need a private or surplus-lines policy for the excess, since TFPA can't insure above its cap regardless of what you're willing to pay.