Homeowners insurance rates on the rise, research showsA new study from the Kinder Institute finds it is becoming increasingly difficult for families to have homes across Texas. A new study from the Kinder Institute finds it is becoming increasingly difficult for families to have homes across Texas. A new study from the Kinder Institute finds it is becoming increasingly difficult for families to have homes across Texas. "It's not just an urban issue; this is happening all over the state," Rice University Kinder Institute researcher Stephen Sherman said. Sherman says homeowners insurance is around $3,000 a year, depending on where you live, and that doesn't include flood insurance.