ZIP 75034 Insurance Data

Data Snapshot: ZIP 75034 (Frisco, TX)

ZIP 75034 (Frisco, TX) shows an average homeowners insurance premium of $4,116 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations across approximately 560 reported policies. That is 132% above the national average of $1,776 per year, placing this ZIP in the 98th percentile nationally. Compared to the Texas state average of $2,349, this ZIP runs 75% above, reflecting neighborhood-level differences in catastrophe exposure, property age, and claims history.

The loss ratio for ZIP 75034 is 114.8%, meaning insurers paid out more in claims than they collected — a signal that premiums may rise or carriers may exit. Claim frequency — the share of policies with at least one claim — is 16.04%, and the average claim severity (amount paid per claim) is $29,451.

Across 5 years (2018–2022), premiums in ZIP 75034 have risen by 54.5%, ranging from $2,665 to $4,116 with a five-year average of $3,379 — an annualized rate of +11.5% per year. FIO data aggregates voluntary reporting from the 40 largest homeowners insurers, covering roughly 80% of the U.S. market, so figures represent market averages rather than individual policy quotes; your own premium will vary with dwelling value, deductible, coverage limits, construction type, and insurer-specific underwriting. This page is educational research only and is not insurance advice — homeowners should request quotes from multiple licensed carriers or an independent agent before purchasing or renewing coverage.