And then he named the number that explains why Texas homeowners have felt financially squeezed for six straight years. From $1,961 to $3,506 — What Has Happened to Texas Premiums Since 2019According to the Texas Department of Insurance, the average annual homeowners insurance premium in Texas was $1,961 in 2019. Over the life of a fortified roof, that adds up to nearly $16,000 in total savings. What a Fortified Roof Actually IsA fortified roof is not a standard roof with better shingles. What Texas Homeowners Should Know Right NowThe Texas Roof Fortification Program is a proposal, not yet law.