ZIP 76435 Insurance Data

Data Snapshot: ZIP 76435 (Carbon, TX)

ZIP 76435 (Carbon, TX) shows an average homeowners insurance premium of $2,364 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations across approximately 3 reported policies. That is 33% above the national average of $1,776 per year, placing this ZIP in the 86th percentile nationally. Compared to the Texas state average of $2,349, this ZIP runs 1% above, reflecting neighborhood-level differences in catastrophe exposure, property age, and claims history.

The loss ratio for ZIP 76435 is 2196.5%, 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 67.61%, and the average claim severity (amount paid per claim) is $76,809.

Across 5 years (2018–2022), premiums in ZIP 76435 have risen by 3.4%, ranging from $2,194 to $2,364 with a five-year average of $2,279 — an annualized rate of +0.8% 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.