ZIP Codes Tracked
1,504
U.S. Treasury FIO data for 1,504 ZIP codes in Texas (TX).
The verdict
Homeowners in Texas pay about $2,349/yr, 32% above the U.S. average - the 7th most expensive of 51 states.
Premium rank counts states with a reported average premium, highest first, abbreviation tiebreak. Nonrenewal rank counts states that publish a rate. In-state ZIP #1s are separate extracts.
Texas vs all states by ZIP-mean homeowners premium
Where this state's average ZIP premium sits among every state that reports one (lower is better for homeowners)
$2,349 Higher than most lower premium than 12% of 51 states
States, banded by ZIP-mean annual homeowners premium (FIO)
Each bar is a $0.001K-wide band; taller bars hold more states. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source U.S. Treasury FIO Homeowners Insurance Markets Report · 2018–2022
Homeowners in Texas pay an average of $2,349 per year for home insurance - 32% above the national average of $1,776. That ranks Texas as the 7th most expensive state out of 51 for homeowners insurance. Between 2018 and 2022, premiums rose by 4.1%.
On five-year premium growth (2018–2022), Texas ranks 30th out of 51 states.
According to the U.S. Department of the Treasury, Federal Insurance Office - "Analyses of U.S. Homeowners Insurance Markets, 2018–2022." Premium values are five-year averages across all ZIP-level observations. See methodology for how the state rank and comparison are calculated.
Across the 1,504 Texas ZIP codes in the U.S. Treasury FIO data, the average annual home insurance premium is $2,349. That is an average of ZIP codes, in which a ZIP of a few hundred people counts the same as one of tens of thousands. Weighting each ZIP by its population, closer to what a typical Texas homeowner pays, gives $2,675 per year. That is 32% above the national average of $1,776 per year reported by the Federal Insurance Office. Texas ranks 7th most expensive out of 51 states and territories on annual premium, with ZIP-level observations ranging from $909 in 77650 to $8,194 in 75205.
Between 2018 and 2022, average premiums rose by 4.1% in Texas, placing the state 30th nationally on five-year premium growth. The state-level loss ratio averaged 50.0%, meaning insurers retained a healthy margin after claims, typical of stable markets.
Within Texas, premium dispersion across ZIP codes is substantial: the most expensive ZIP (75205 in Dallas) charges 801% more than the least expensive (77650 in Port Bolivar), reflecting local differences in catastrophe exposure, construction costs, and claims history. The FIO dataset aggregates voluntary reporting from the 40 largest homeowners insurers covering roughly 80% of the U.S. market, so ZIP-level figures represent market averages rather than individual quotes; actual premiums vary with dwelling value, deductible, coverage limits, and insurer-specific underwriting. This page is a FIO registry extract, not a quote or a recommendation.
How to read these figures: state averages on this page are computed from U.S. Treasury Federal Insurance Office data, which the office collects directly from the largest homeowners insurers and reports at the ZIP-code level. A statewide average blends expensive coastal and wildfire-exposed markets with lower-cost inland areas, so the figure is a useful benchmark but will understate what some residents pay and overstate what others pay. The loss ratio is the share of every premium dollar that insurers returned as claims; sustained ratios near or above one signal a market under pressure, where rate increases, tighter underwriting, or nonrenewals tend to follow. Claim frequency and nonrenewal rates show how often policies result in claims and how often insurers decline to renew, both of which track local catastrophe exposure. Treat the state number as a registry average, then open the ZIP table below for the same filing year's local premium and nonrenewal extracts.
Texas statewide - FIO 2018-2022 average: 50% (Insurer-favorable) - low claim payout, insurer retains a healthy margin.
ZIP Codes Tracked
1,504
Reporting Period
2018-2022
Source
U.S. Treasury FIO
| Year | Avg Premium | Median Premium |
|---|---|---|
| 2018 | $2,256 | $2,196 |
| 2019 | $2,239 (-0.8%) | $2,174 |
| 2020 | $2,247 (+0.4%) | $2,181 |
| 2021 | $2,284 (+1.6%) | $2,208 |
| 2022 | $2,349 (+2.9%) | $2,249 |
1,504 ZIP codes sorted by premium (highest first). Click column headers to sort.
| ZIP | City | Premium |
|---|---|---|
| 75205 | Dallas | $8,194 |
| 77024 | Houston | $7,568 |
| 77056 | Houston | $7,351 |
| 75225 | Dallas | $6,977 |
| 77019 | Houston | $6,871 |
| 77027 | Houston | $6,545 |
| 77005 | Houston | $6,410 |
| 75230 | Dallas | $5,959 |
| 77401 | Bellaire | $5,658 |
| 77057 | Houston | $5,637 |
| 77030 | Houston | $5,465 |
| 75254 | Dallas | $5,457 |
| 76092 | Southlake | $5,267 |
| 75209 | Dallas | $5,251 |
| 75220 | Dallas | $5,019 |
| 77098 | Houston | $4,921 |
| 78746 | Austin | $4,712 |
| 78701 | Austin | $4,708 |
| 76449 | Graford | $4,621 |
| 75229 | Dallas | $4,599 |
| 76475 | Strawn | $4,598 |
| 77059 | Houston | $4,530 |
| 76034 | Colleyville | $4,518 |
| 75093 | Plano | $4,473 |
| 76109 | Fort Worth | $4,303 |
| 77058 | Houston | $4,285 |
| 77006 | Houston | $4,271 |
| 78730 | Austin | $4,267 |
| 76107 | Fort Worth | $4,214 |
| 78703 | Austin | $4,191 |
| 75022 | Flower Mound | $4,141 |
| 77025 | Houston | $4,133 |
| 75248 | Dallas | $4,133 |
| 75034 | Frisco | $4,116 |
| 77079 | Houston | $4,113 |
| 77476 | Simonton | $4,099 |
| 78954 | Round Top | $4,081 |
| 77062 | Houston | $4,057 |
| 77042 | Houston | $4,033 |
| 78257 | San Antonio | $4,028 |
| 77094 | Houston | $4,002 |
| 77063 | Houston | $3,994 |
| 75219 | Dallas | $3,983 |
| 76132 | Fort Worth | $3,947 |
| 75240 | Dallas | $3,934 |
| 75038 | Irving | $3,910 |
| 75214 | Dallas | $3,902 |
| 75024 | Plano | $3,836 |
| 77586 | Seabrook | $3,835 |
| 77478 | Sugar Land | $3,808 |
County National Risk Index scores joined to Texas ZIP codes in the same FIO filing year. This is hazard and vulnerability context from FEMA, not a premium driver table and not a quote.
| County | Risk score | Rating | Top hazard |
|---|---|---|---|
| Harris | 99.9 | Very High | Hurricane |
| Dallas | 99.7 | Very High | Heat Wave |
| Bexar | 99.4 | Relatively High | Tornado |
| Hazard | Elevated counties | Share of joined |
|---|---|---|
| Tornado | 47 | 19% |
| Hail | 39 | 16% |
| Winter weather | 29 | 12% |
| Hurricane | 17 | 7% |
| Flooding | 16 | 7% |
Elevated = FEMA Relatively High or Very High rating on that hazard column. Ratings are independent per hazard; a county can appear in more than one row.
Source: FEMA National Risk Index · research board: top counties by NRI score.
Two FIO peer sets for Texas: nearest other states by average homeowners premium and by statewide nonrenewal rate. These are cross-state neighborhoods, not the in-state ZIP table above.
Nearest states by average homeowners premium ($2,349/yr here).
Texas in the FIO registry
State averages sit next to ZIP-level premium and nonrenewal extracts from the same filing year.
State figures are five-year ZIP-level averages from U.S. Treasury FIO data, a benchmark, not a quote for any individual home.
Source: U.S. Department of the Treasury, Federal Insurance Office (FIO) Homeowners Insurance Data (2018-2022). Premiums are ZIP-level averages and may not reflect individual policy costs
Source data: U.S. Treasury FIO · FEMA National Risk Index · NOAA Storm Events. See our methodology.
Every figure on PlainInsure is rendered directly from U.S. Treasury Federal Insurance Office data, no number is typed in by an editor. This state's figures are rendered directly from U.S. Treasury FIO data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.