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.
Across 1,504 ZIP codes, ZIP-level premiums vary widely within the state.
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.
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.
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 context, then drill into your own ZIP code for the figure closest to your situation and compare quotes from several licensed carriers before deciding.
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 |
What this means in Texas
State averages set the benchmark, your ZIP and your home decide the rest.
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 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.