Roof Replacement Cost in Texas

What a roof replacement costs in Texas

HomeGuide publishes an average new roof cost for 22 states. Texas lands just under the national range at both ends:

The midpoint is the average of the two ends, rounded to the nearest $100. HomeGuide does not say which roof size or material its state ranges assume, so read them as broad averages. The national range beside them is HomeGuide’s figure for replacing an asphalt shingle roof.

We have not scaled the Texas range by house size or material, because that would mean applying a ratio the source does not publish. The national breakdowns on the roof replacement cost guide are a fair guide for Texas, since the state averages sit so close to them.

Labor: lower wages, near-national prices

The Bureau of Labor Statistics estimates wages for roofers in every state, and our roofer wages by state page ranks all 50 of them. In its May 2025 estimates:

Texas roofers’ mean wage is about 19 percent below the national figure, the lowest of the three states we cover, yet the average Texas roof price is only about 1 percent below national. The gap is a reminder that wages are only one part of a roofing price, alongside materials, insurance, equipment, permits, disposal and margin. Wage data is a sanity check on price surveys, not a way to build a price.

Hail, insurance and Texas law

What your policy will and won’t pay

The Texas Department of Insurance is direct about the basics. Your insurer won’t pay for a new roof just because it is old or worn out. Replacement cost coverage pays to repair the roof at current prices; actual cash value coverage pays less on an older or worn roof, and as roofs age some insurers switch them to actual cash value, so check your roof coverage whenever you renew. On a replacement cost claim the insurer typically pays in two checks, the first a partial payment. And the deductible for wind and hail is often higher than for other damage. Texas is also one of 19 states, plus Washington, D.C., where insurers use hurricane deductibles, according to the Insurance Information Institute.

A roofer cannot pay your deductible

It is illegal in Texas for a contractor to offer to waive, rebate or absorb your deductible, under Business and Commerce Code 27.02, and contractors who do so can be fined or jailed. Contracts of $1,000 or more that involve an insurance settlement must include a notice that you must pay the deductible. Texas Insurance Code 4102.163 also bars contractors from acting as public adjusters, so a roofer who offers to negotiate your claim settlement is offering something they are not allowed to do. The TDI suggests reporting violations to the Texas Attorney General.

Impact-resistant shingles and cosmetic damage

Texas policies can give a premium credit for an impact-resistant roof covering, and a policy receiving that credit can carry an optional endorsement, HO-145, that excludes cosmetic hail damage to the roof: dents that change how it looks but not how it works. If you are offered a discount for an impact-rated roof, ask whether that exclusion comes with it. For reference, GAF lists its Timberline HDZ shingle as passing the UL 2218 impact test at Class 3 and as Texas Department of Insurance listed, while stating that hail damage is not covered by its warranty.

After a storm

The TDI advises taking photos and video of the damage, making a list of it, and getting more than one repair estimate so you can tell which offers are too high or too good to be true. Report damage promptly; claim deadlines depend on your policy. Our guide to whether insurance covers roof replacement shows how depreciation and a percentage deductible change the check.

How Texas compares with other states

HomeGuide’s table covers 22 states. Here is Texas beside the highest and lowest ranges in it and the other state we cover:

From the cheapest state to the dearest, the range moves by $1,000 at the low end and $2,700 at the high end. The range within Texas alone is $10,200 wide. In other words, the roof you have, its size, pitch, material and condition, moves the price far more than which state you live in.

Using the Texas range with real quotes

1. Work out your roof’s squares with the roofing square calculator, so every quote can be compared per square.
2. Get at least three written estimates.
3. Ask each contractor whether the price includes full tear-off and what they charge to replace damaged decking. As our roof replacement cost calculator explains, tear-off against overlay is the most common reason two quotes on the same house differ.
4. Treat a quote far below the low end of the Texas range as a question about scope rather than a bargain, and walk away from any offer to cover your deductible.

Sources used on this page

• HomeGuide roof replacement cost guide, dated November 7, 2025 and checked September 14, 2026. Roof installation cost by state and the national average range.
• BLS Occupational Employment and Wage Statistics, May 2025 estimates for roofers, occupation code 47-2181, national and Texas, retrieved through the BLS public data API.
• Texas Department of Insurance: Insurance and your roof, updated April 1, 2026; Roofing and insurance: know the law, updated March 24, 2025; Can a contractor waive my deductible?, updated December 9, 2025; hail damage tips, updated December 9, 2025; and Bulletin B-0030-98.
• Insurance Information Institute, hurricane and windstorm deductibles.
• GAF Timberline HDZ specifications, for the impact rating example.

The midpoints, differences and percentages are our own arithmetic on those figures. The methodology page explains how sources are used and reviewed.