ZIP 75426 Insurance Data

Data Snapshot: ZIP 75426 (Clarksville, TX)

ZIP 75426 (Clarksville, TX) shows an average homeowners insurance premium of $1,981 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations across approximately 6 reported policies. That is 12% above the national average of $1,776 per year, placing this ZIP in the 75th percentile nationally. Compared to the Texas state average of $2,349, this ZIP runs 16% below, reflecting neighborhood-level differences in catastrophe exposure, property age, and claims history.

The loss ratio for ZIP 75426 is 91.2%, meaning insurers are operating on thin margins here. Claim frequency — the share of policies with at least one claim — is 8.11%, and the average claim severity (amount paid per claim) is $22,292.

Across 5 years (2018–2022), premiums in ZIP 75426 have risen by 3.8%, ranging from $1,876 to $1,981 with a five-year average of $1,909 — an annualized rate of +0.9% 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.