Texas homeowners insurance has quietly become one of the biggest financial stories in our housing market — and it's almost never part of the conversation early enough. Here's what's happening with premiums, the wind/hail deductible trap, and what every DFW buyer should ask before they fall in love with a listing.

Rates aren't going back to 3%. They might not even drop below 6% this year. Here's the honest read on where mortgage rates actually are in 2026 — and what smart DFW buyers are doing right now to make the math work without waiting for a miracle.