Roofing Costs in Texas Explained: Budgeting for Repairs and Replacements

Is your Texas roof ready for its next challenge, or do you wonder what repairs or a full replacement might really cost? In Texas, with its extreme weather conditions and fluctuating material prices, budgeting for a new roof or repairs can be overwhelming. 

While there are numerous costs depending on your needs, the cost for a basic 2,400-square-foot roof that uses asphalt shingles could be around $15,000 for a replacement in 2025, but there are many factors that will influence that cost. 

The good news is that with our expert advice here at Excel CG you can confidently budget for your roofing project. We’ll show you everything you need to know.

It’s always a good idea to catch small problems early. Smaller, internal repairs are significantly less expensive than waiting on a mass replacement. However, Texas’s harsh climate means that a small leak can easily conceal larger issues.

Minor repairs usually involve replacing a few broken shingles, re-sealing a pipe flashing or repairing a small, localized leak. In Texas, these smaller repairs will usually cost between $300 and $1,500. The actual price will vary depending on the issue and the reach.

If the damage is more widespread but the entire body is not yet ready for a complete replacement, costs can increase. Moderate repairs may include flashing replacement around a chimney, a valley leak repair, or repair of damage from a small hail storm. These repairs can quickly cost between $1,000 and $3,500. These moderate issues can easily become major issues, significantly raising the cost of repairs when left untreated for too long.

Sometimes a repair is only a temporary solution. If your roof is too old or too damaged to repair, it is not rational to continue patching it. An experienced professional can help you determine whether a replacement is the better long-term investment.

A complete roof replacement is a major investment, but it ensures the safety of your biggest asset: your home. Smart budgeting starts with understanding what to expect.

Over the past few years, the cost of materials has been increasing. In 2025, roofing prices are also being affected by new U.S. tariffs on imported steel and aluminum. Representative shingle manufacturers announced price increases between 6-10% this year. Keep in mind that these price increases will be passed on to you through your quotes.

The material you choose is one of the biggest cost factors. Here is a general breakdown of average cost per square foot for different materials in Texas:

Keep in mind that premium options will fall at the higher end of these ranges.

A big roof obviously needs more material and work. The shape and the pitch of the roof are also important. For instance, a roof with multiple valleys, gables, and dormers is more challenging and time-consuming to work on. This additional work results in greater labor costs than a straightforward, low pitch roof.

Texas weather plays a significant role in roofing costs. From extreme heat to intense hail, roofs here encounter distinctive challenges.

• Heat: Asphalt shingles are susceptible to UV exposure and heat which can cause them to deteriorate more quickly. Hence proper attic venting is important to ensure a longer life for your roof.
• Hail: Texas is susceptible to hailstorms. Even minor hail damage can affect your roof’s integrity in the long term. The use of impact-resistant materials is a smart move for the long haul.
• Wind and Rain: Severe rains and high winds can damage shingles, flashing and vents, causing leaks. It is vital to choose a contractor who is well-versed in local weather patterns.

After a major storm, you will frequently see “storm chasers,” out-of-town contractors who are advertising their wares on doorsteps. These companies are extremely dangerous. Often they pressure you or offer to cover your deductible. In Texas, waiving a deductible is illegal and can cause you and the contractor to face criminal charges. Always use a local company that has a physical office and good local references.

Financing your roofing project is critical to consider. Your homeowner’s insurance and financing options are critically important.

Texas law stipulates that a person must pay their insurance deductible for a repair or replacement. It is unlawful for a contractor to offer, promise or rebate such a sum. A reputable contractor will coordinate with you and your insurance company to ensure that the claim process is handled properly and fairly.

For out-of-pocket expenses, you have a couple of choices:

• Financing Options: Many roofing companies, such as Excel CG, provide financing options to help spread out the cost.
• Home Equity: If you have significant equity in your home, a home equity loan or a HELOC can be an ideal choice.
• Personal Loan: Personal loans are provided by banks and credit unions and can be used to cover the expenses.
• FHA 203(k) Loan: This is a federal loan that can be used for renovations, including roof replacements.

While it may seem like a DIY solution to save money, in reality it often causes bigger problems and higher costs in the future. Professional installation is an investment in the future of your home.

• Expertise and Experience: Our crews possess extensive knowledge of the Texas weather and roofing materials. This means doing the job right the first time, avoiding future problems.
• Proper Installation: We adhere to all the manufacturer and local building code requirements, which includes important details such as proper flashing and proper ventilation. This protects your roof and maintains your warranty.
• Insurance and Liability: Reputable contractors have liability and worker’s compensation insurance. This insures you from any financial responsibility if an accident occurs on your property.
• Quality Materials: Professionals have access to high-quality and durable materials that can withstand Texas weather. We know the local conditions and recommend the best products for your home.
• Long-Term Value: A well installed roof from Excel CG adds value and curb appeal to your home, as well as peace of mind for years to come.

Your home’s roof is your first line of defense. Making sure it is healthy is one of the most important things you can do for your family and your biggest investment. We know you want a trusted partner to get this right. We are that partner, dedicated to helping you protect and improve your home with integrity and expertise.

Ready to know what your roofing project is really going to cost? Don’t let uncertainty get in the way of a secure and beautiful home. We are here to help. Reach out today for a free transparent consultation and estimate from our friendly team at Excel CG.