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A full asphalt shingle roof replacement in Texas usually lands somewhere in the five figures. In the 2025 Cost vs. Value report, the same large reroof was priced between $22,966 and $28,211 across the Texas cities it covers. Your number depends on roof size, pitch, stories, decking and add-ons like solar. This guide shows what moves the price, how insurance changes what you pay, and how to read a quote line by line.
Quick answer
- The 2025 Cost vs. Value report priced a 30-square (3,000 sq. ft. of roof) asphalt reroof at $22,966 to $28,211 in Texas cities, or about $766 to $940 per square.
- Smaller, simpler roofs cost less. Steep pitch, a second story, rotten decking and solar panels push the price up.
- With a covered storm claim, you normally pay your deductible. Texas law says the homeowner must pay it, and a roofer can’t legally cover it for you.
- Ask for an itemized quote so you can compare squares, decking, underlayment and extras side by side.
How much does a roof replacement cost in Texas?
The most useful public benchmark is the Remodeling magazine Cost vs. Value report, published by JLC. Every year it prices the same defined project in each market, so you can compare cities fairly. Here’s what its 2025 asphalt shingle roof replacement came to across Texas:
| Market | Job cost | Per square | Recouped at resale |
|---|---|---|---|
| Dallas | $28,211 | about $940 | 56.9% |
| Austin | $22,966 | about $766 | 76.4% |
| San Antonio | $22,966 | about $766 | 77.8% |
| Corpus Christi | $22,966 | about $766 | 68.6% |
| El Paso | $22,966 | about $766 | 66.3% |
| Lubbock | $22,966 | about $766 | 65.6% |
| West South Central region (TX, OK, AR, LA) | $27,116 | about $904 | 68.1% |
| U.S. average | $31,871 | about $1,062 | 67.5% |
Figures from the 2025 Cost vs. Value city pages for Dallas, Austin, San Antonio, Corpus Christi, El Paso and Lubbock. Per-square figures are the job cost divided by 30 squares.
Before you panic at those figures, look at what they cover. The report’s project is a big roof: tear-off to bare wood, then 30 squares of fiberglass asphalt shingles with new felt or synthetic underlayment, drip edge, aluminum flashing, flashing around two skylights and a vented ridge cap. A “square” is 100 square feet of roof surface, so that’s 3,000 square feet of roof. Plenty of single-story Texas homes have less roof than that.
Divided out, the Texas figures work out to roughly $766 to $940 per square, or about $7.70 to $9.40 per square foot of roof. That’s a handy yardstick for checking a quote, as long as you remember it includes skylight work your roof may not need. Houston isn’t in the table, so if you live in the Houston area, our Houston roof replacement cost guide has the local benchmark numbers.
Prices have been climbing
For the West South Central region, the same project cost $25,028 in the 2024 report and $27,116 in 2025, a jump of about 8% in one year. If you’re comparing against a quote a neighbor got a couple of years ago, expect yours to be higher.
What drives the price of a new roof?
Two houses on the same street can get very different quotes. Here’s what actually moves the number, and what to look for on your own estimate.
| Cost driver | Why it changes the price | What to check on your quote |
|---|---|---|
| Roof size (squares) | Shingles, underlayment and labor are all bought and priced by the square. Waste for hips and valleys adds a bit more. | Number of squares measured, and whether a waste factor is listed separately. |
| Pitch (steepness) | Steep roofs need more safety gear and go slower, so labor costs more. | A steep-slope line item or a higher labor rate per square. |
| Stories | Two-story homes mean longer ladders, more material hoisting and more time protecting the yard. | A two-story or “high roof” charge. |
| Layers to tear off | Each extra layer adds labor and dump weight. Building code limits roofing over old layers (more below). | Tear-off priced per layer, plus disposal. |
| Decking repair | Nobody can see soft or rotten plywood until the old shingles come off. | A per-sheet price for decking replacement, so surprises aren’t open-ended. |
| Vents, boots and flashing | Pipe boots, vents and wall flashing are the usual leak points and are often replaced with the roof. | Which accessories are new and which are reused. |
| Solar panels | Panels have to be detached, stored and reset, and every mount flashed into the new roof. | A separate detach-and-reset line, and who handles the electrical side. |
| Shingle line and upgrades | Premium lines and impact-rated (Class 4) shingles cost more than standard architectural shingles. | Exact brand and product name, not just “architectural shingles.” |
Can you just roof over the old shingles to save money?
Sometimes, but less often than people hope. The International Residential Code (section R908.3.1.1) doesn’t allow a recover when the existing roof already has two or more layers, or when the old roof is water-soaked or too deteriorated to serve as a base. Even when an overlay is allowed, you lose the chance to look at the decking. On storm-damaged Texas roofs, that look is often where the real problems show up. Ask your roofer which code edition your city enforces.
What real Texas jobs show about cost
We don’t publish prices, because every roof is different. What we can show you is where the extra work on real jobs came from, so you know what to ask about on your own quote.
Decking that has to be replaced. On a two-story hail roof replacement in Pearland, sections of damaged decking had to be cut out and replaced once the old roof was off. The same job also had a solar array and a planted garden to protect. On a single-story Pearland hail job, the deck was sound enough to be inspected and re-nailed instead of replaced. That difference is exactly why a good quote prices decking per sheet rather than guessing up front.
Solar detach and reset. On a Pearland hail roof with solar, the panels were detached, the roof was replaced with GAF Timberline UHD shingles and a ridge vent, and then the array was reset with every mount flashed into the new roof. If you have panels, expect this to appear as its own line item.
Time on site. A straightforward single-story brick home took three days on site, from tear-off to finished roof, with the deck inspected before dry-in, synthetic underlayment, new architectural shingles and replaced vents. Simple, one-story roofs like that usually sit at the lower end of the range. If you want to see what your own roof needs, our residential roofing team does a free inspection with photos.
How much will insurance pay for a roof replacement?
If a covered storm damaged your roof, your insurer pays the claim minus your deductible. How much that is depends on two things in your policy. (For the full sequence and the deadlines your insurer has to meet, see the roof insurance claim process in Texas.)
1. Your deductible
Many Texas policies use a percentage deductible for wind and hail, figured on your dwelling coverage, not on the cost of the roof. Here’s how that plays out:
Worked example
- Dwelling coverage: $300,000
- Wind/hail deductible: 2%
- Your share before insurance pays anything: $6,000
Texas law is clear that the homeowner pays it. Under Texas Insurance Code Chapter 707, a person insured under a property policy “shall pay any deductible.” That’s why any roofer offering to “eat” or waive your deductible is a red flag. We don’t waive, absorb or rebate deductibles. If paying it all at once is hard, our financing page covers third-party options, including financing the deductible.
The same chapter also lets an insurer with replacement cost coverage hold back recoverable depreciation until you show proof you paid the deductible. A signed financing agreement counts as proof under the statute.
2. Replacement cost or actual cash value
The Texas Department of Insurance gives a simple example: a $10,000 roof, a $4,000 deductible.
| Roof age | Replacement cost policy pays | Actual cash value policy pays |
|---|---|---|
| 5 years | $6,000 | $4,500 |
| 10 years | $6,000 | $3,000 |
| 20 years | $6,000 | $0 |
Scale that up to a real Texas roof and an older roof on an ACV policy can leave you paying most of the bill. Check your own policy’s declarations page before a storm, not after.
Insurance usually won’t pay for upgrades you choose, like a premium shingle line, or for wear and tear on a roof that simply got old. Coverage decisions are between you and your insurer. What we do is photo-document the damage and meet the adjuster on site. Our storm damage page explains how that works.
Is a Class 4 impact-resistant roof worth the extra cost?
Impact-resistant shingles cost more than standard ones, but some insurers give a premium discount for them. The Texas Department of Insurance explains that roofing tested under UL 2218 is rated Class 1 through 4, and a Class 4 roof gets the highest credit. The size of that discount is set by each insurance company, not the state. Our guide to the best roofing materials for Texas weather compares the options against hail, heat and wind.
If you go this route, your roofer fills out TDI’s Impact-Resistant Roofing Installation form (PC068), and you send a copy to your insurer. Before you pay for the upgrade, call your agent and ask for the discount in dollars per year. Then you can do the payback math yourself instead of trusting a sales pitch.
How to compare roof replacement quotes
A cheap quote isn’t cheap if it leaves things out. Lay your quotes side by side and check each one for these:
- Roof size in squares, measured, not guessed.
- Full tear-off to the deck, with the number of layers stated.
- A per-sheet price for any decking replacement.
- Underlayment type (felt or synthetic) and leak barrier at valleys and eaves.
- New drip edge, pipe boots, vents and flashing, or which ones are reused.
- Exact shingle brand and product line.
- Permit, dump fees and cleanup included.
- Solar detach and reset, if you have panels.
- Nothing about waiving or covering your deductible.
If one bid is far below the others, it’s usually missing something on that list.
When a repair is enough
Not every roof problem means a new roof. A few blown-off shingles, one leaking pipe boot or a small flashing failure on a roof with years left in it can usually be repaired for far less. Replacement makes sense when damage is spread across the roof, the shingles are near the end of their life, or a storm claim has been approved for the whole roof. We’ll tell you which one you need after looking at it.
Frequently asked questions
What is the average roof replacement cost in Texas?
In the 2025 Cost vs. Value report, a 30-square asphalt roof replacement averaged $27,116 across the West South Central region, which includes Texas. The Texas cities in the report ranged from $22,966 to $28,211. Smaller and simpler roofs cost less than that benchmark, and steep, two-story or solar-equipped roofs can cost more.
How much does a roof replacement cost per square foot in Texas?
The 2025 Texas figures work out to roughly $7.70 to $9.40 per square foot of roof surface, including skylight flashing. That’s roof area, not the home’s floor area, and roofs are usually bigger than the floor plan once you add overhangs and pitch. Use it as a sanity check, not a quote.
How much does insurance pay for a roof replacement?
For a covered storm loss, the insurer pays the approved cost minus your deductible. On an actual cash value policy, it also subtracts depreciation, so older roofs get less. In TDI’s example, a 20-year-old roof on an ACV policy paid nothing after the deductible. Check your own policy for your deductible and settlement type.
What does a roof replacement cost without insurance?
The full price, with no deductible math involved. That’s why it pays to get an itemized quote and compare it line by line. If the total is more than you can pay at once, third-party financing (contractor financing, a personal loan or a home equity line) can spread it out. Rates and terms come from the lender.
Does replacing a roof increase home value?
Partly. In the 2025 Cost vs. Value report, an asphalt roof replacement recouped between 56.9% (Dallas) and 77.8% (San Antonio) of its cost at resale in Texas cities, and 68.1% across the region. A new roof also makes a home easier to insure and sell, but don’t expect to get every dollar back in the sale price.
Get an itemized quote for your roof
The only way to know what your roof will cost is to have someone measure it and look at the decking, vents and attic. Texas Storm Pro does a free, no-obligation inspection anywhere in our Texas service area, documents everything with photos and gives you an itemized quote with your options.
Insurance and legal details here are general information, not legal advice. Check your own policy.
Sources
- JLC / Remodeling: Cost vs. Value 2025 for Dallas, Austin, San Antonio, Corpus Christi, El Paso and Lubbock (each page also lists the regional and U.S. averages)
- JLC / Remodeling: Cost vs. Value 2024, West South Central region (Dallas page)
- JLC / Remodeling: Roofing Replacement (asphalt shingles) project description
- Texas Department of Insurance: Replacement cost or actual cash value
- Texas Insurance Code Chapter 707: Payment of Insurance Deductible
- International Code Council: 2021 IRC Chapter 9, Roof Assemblies
- Texas Department of Insurance: Roofing discounts
- Texas Department of Insurance: Form PC068, Impact-Resistant Roofing Installation
