ZIP 75459 Insurance Data

Data Snapshot: ZIP 75459 (Howe, TX)

ZIP 75459 (Howe, TX) shows an average homeowners insurance premium of $2,464 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations across approximately 21 reported policies. That is 39% above the national average of $1,776 per year, placing this ZIP in the 88th percentile nationally. Compared to the Texas state average of $2,349, this ZIP runs 5% above, reflecting neighborhood-level differences in catastrophe exposure, property age, and claims history.

The loss ratio for ZIP 75459 is 43.2%, meaning insurers retained a working margin after claims. Claim frequency — the share of policies with at least one claim — is 7.26%, and the average claim severity (amount paid per claim) is $14,673.

Across 5 years (2018–2022), premiums in ZIP 75459 have risen by 8.2%, ranging from $2,159 to $2,464 with a five-year average of $2,268 — an annualized rate of +2.0% 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.