Texas Homeowners Insurance

U.S. Treasury FIO data for 1,504 ZIP codes in Texas (TX).

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.

Source: 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 caveats.

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

Texas homeowners paid an average of $2,349 per year for home insurance based on U.S. Treasury FIO data covering 1,504 ZIP codes across the state. 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 for educational research only and is not insurance advice — homeowners should obtain quotes from multiple licensed carriers or an independent agent before purchasing or renewing coverage.

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

Premium Trends (2018-2022)

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 by Year

$2,256
2018
$2,239
2019
$2,247
2020
$2,284
2021
$2,349
2022

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

Frequently Asked Questions

What is the average homeowners insurance cost in Texas?
The average homeowners insurance premium in Texas is $2,349 per year, based on U.S. Treasury FIO data covering 1,504 ZIP codes. 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 average nonrenewal rate in Texas is N/A. Nonrenewals occur when an insurer declines to renew an existing policy at expiration. ZIP 75001 has the highest nonrenewal rate in the state at N/A.
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.

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 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

Related

Data sourced from official U.S. government datasets. See our methodology for details. Retrieved and formatted by PlainInsure Editorial

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