Texas home rebuild cost calculator
By Severance Calculator Editorial · Updated
What does it cost per square foot to rebuild a home in Texas?
Texas is in the West South Central Census division; NAHB 2024 median custom $/sqft is $138. Houston/Galveston coastal counties carry wind-mitigation premiums.
Texas replacement-cost statute
Texas Insurance Code §2001.052 — view full text.
TDI requires disclosure of policy form (HO-A vs HO-B vs HO-C). RCV vs ACV election is made at policy issuance. Texas has specific mold and slab exclusion rules.
Post-disaster reconstruction premium
Post-Hurricane Harvey (2017) reports documented systematic underinsurance in coastal counties. Hail-prone counties also frequently report ACV roof claims that surprise homeowners with depreciation-driven shortfalls.
Where to get help in Texas
FAQ — Texas rebuild cost
- Is replacement cost coverage required in Texas?
- TDI requires disclosure of policy form (HO-A vs HO-B vs HO-C). RCV vs ACV election is made at policy issuance. Texas has specific mold and slab exclusion rules.
- What happens to rebuild costs after a major disaster in Texas?
- Post-Hurricane Harvey (2017) reports documented systematic underinsurance in coastal counties. Hail-prone counties also frequently report ACV roof claims that surprise homeowners with depreciation-driven shortfalls.
- What is the typical $/sqft to rebuild in Texas?
- Texas is in the West South Central Census division; NAHB 2024 median custom $/sqft is $138. Houston/Galveston coastal counties carry wind-mitigation premiums.