Preliminary data indicates Texas home insurers earned a 22% profit on premiums collected last year, according to the Houston Chronicle. It was the best year insurers have had in two decades and follows several years of double-digit rate increases and flat or slightly negative returns for insurers due to increased natural disasters.Insurance rates increased statewide by an average of 4.3% last year, according to the Texas Department of Insurance, which was significantly lower than the rate increases of preceding years. Homeowners were still paying about 80% more for home insurance in 2025 than they paid in 2020.Texas Department of Insurance ...