ZIP 77038 Insurance Data

Data Snapshot: ZIP 77038 (Houston, TX)

ZIP 77038 (Houston, TX) shows an average homeowners insurance premium of $1,852 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations across approximately 1,095 reported policies. That is 4% above the national average of $1,776 per year, placing this ZIP in the 69th percentile nationally. Compared to the Texas state average of $2,349, this ZIP runs 21% below, reflecting neighborhood-level differences in catastrophe exposure, property age, and claims history.

The loss ratio for ZIP 77038 is 19.4%, meaning insurers retained a working margin after claims. Claim frequency — the share of policies with at least one claim — is 3.73%, and the average claim severity (amount paid per claim) is $9,628.

Across 5 years (2018–2022), premiums in ZIP 77038 have risen by 0.4%, ranging from $1,804 to $1,870 with a five-year average of $1,841 — an annualized rate of +0.1% 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.