ZIP 75093 Insurance Data

Data Snapshot: ZIP 75093 (Plano, TX)

ZIP 75093 (Plano, TX) shows an average homeowners insurance premium of $4,473 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations across approximately 1,291 reported policies. That is 152% 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 90% above, reflecting neighborhood-level differences in catastrophe exposure, property age, and claims history.

The loss ratio for ZIP 75093 is 72.1%, meaning insurers retained a working margin after claims. Claim frequency — the share of policies with at least one claim — is 6.52%, and the average claim severity (amount paid per claim) is $49,443.

Across 5 years (2018–2022), premiums in ZIP 75093 have risen by 22.1%, ranging from $3,665 to $4,473 with a five-year average of $4,036 — an annualized rate of +5.1% 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.