Carbon, TX Homeowners Insurance — ZIP 76435

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.

How to read these numbers: the figures on this page come from the U.S. Treasury Federal Insurance Office, which collects homeowners insurance premium and claims data directly from the largest property insurers in the country. Because the data is aggregated at the ZIP-code level and averaged across many policies, it describes the typical cost in an area rather than a quote for any single home. Two houses on the same street can pay very different premiums depending on their age, construction type, roof condition, prior claims, and the specific coverage limits and deductibles the homeowner selects. The loss ratio shows how much of every premium dollar insurers paid back out as claims; a ratio above one means carriers lost money locally, which often precedes rate increases or carrier exits. Rising nonrenewal and claim frequency reveal how stressed the local market has become. Use these figures to gauge the direction and scale of costs in your area, then request quotes from several licensed carriers before buying or renewing a policy.