Texas Homeowners Insurance

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.

$2,349
State avg premium (#7 of 51)

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.

How Texas Compares

vs National Average
$2,349 vs $1,776
32% above national avg
Rank Among States
7th of 51
most expensive for homeowners insurance
Loss Ratio vs National
50.0% vs 58.0%
insurers retain more margin here
Avg Premium
$2,349/yr
National avg: $1,776 (+32% above)
Premium Change
+4.1%
2018-2022 change
Avg Loss Ratio
50.0%
Claims paid vs premiums earned
Nonrenewal Rate
N/A

Data Snapshot: Texas Homeowners Insurance

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.

Loss Ratio Reading: Texas

0%150%50%

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

Average premium in Texas, 2018–2022

$2,200$2,250$2,300$2,350$2,400 20182019202020212022 $2,349
Average homeowners premium per year in Texas.

All ZIP Codes in Texas

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

Natural-hazard context (FEMA NRI)

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.

Mean county risk score
77.2
17th of 50 states by mean score · national mean 69.3
Counties joined
245
Distinct county FIPS on Texas FIO ZIPs
Most common top hazard
Tornado
81 of 245 counties
Highest FEMA NRI counties in Texas
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
Counties with elevated FEMA hazard ratings in Texas
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.

Nationwide states with similar insurance profiles

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.

Similar average premium

Nearest states by average homeowners premium ($2,349/yr here).

Frequently Asked Questions

What is the average homeowners insurance cost in Texas?
Averaged across the 1,504 Texas ZIP codes in the U.S. Treasury FIO data, the annual homeowners premium is $2,349 ($2,675 when each ZIP is weighted by population, which is closer to what a typical homeowner pays). This is 32% above the national average of $1,776.
How have insurance premiums changed in Texas?
Texas homeowners insurance premiums changed by +4.1% between 2018 and 2022. The average loss ratio is 50.0%, meaning insurers pay out that percentage of earned premiums in claims.
Which ZIP code has the most expensive insurance in Texas?
The most expensive ZIP code for homeowners insurance in Texas is 75205, with an average premium of $8,194/yr. The most affordable is 77650 at $909/yr.
What is the nonrenewal rate for Texas homeowners insurance?
The U.S. Treasury FIO data set publishes no nonrenewal rate for any Texas ZIP code, so this figure cannot be reported for Texas. Nonrenewals occur when an insurer declines to renew an existing policy at expiration; the absence of the figure here reflects what the federal release contains, not an absence of nonrenewals.
What is a loss ratio and what does Texas's mean?
A loss ratio measures how much an insurer pays out in claims compared to premiums collected. Texas's average loss ratio is 50.0%. Ratios above 100% indicate insurers are paying more in claims than they collect, which often leads to premium increases.
How often do homeowners file insurance claims in Texas?
The average claim frequency in Texas is 5.67%, meaning that percentage of policies result in a claim each year. The average claim severity (cost per claim) is $21,405. Higher claim frequency and severity typically correlate with higher premiums.
What natural hazards drive risk in Texas?
Across 245 FEMA National Risk Index counties that join to Texas ZIP codes in the FIO file, the mean county risk score is 77.2 (11% above the 50-state mean of 69.3). The most common county-level top hazard is Tornado (81 of 245 counties). Elevated (Relatively High or Very High) county ratings concentrate in Tornado (47), Hail (39), Winter weather (29). NRI scores are county hazard/vulnerability context from FEMA; they are not premiums and are not a quote.

Texas in the FIO registry

State averages sit next to ZIP-level premium and nonrenewal extracts from the same filing year.

  • Texas ZIP premiums and nonrenewal rates in the same table. ZIP table
  • National premium board versus the population-floored nonrenewal board. Rankings
  • How competition ranks and dual boards are derived. Methodology

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.