ZIP 77040 Insurance Data

Data Snapshot: ZIP 77040 (Houston, TX)

ZIP 77040 (Houston, TX) shows an average homeowners insurance premium of $2,644 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations across approximately 1,237 reported policies. That is 49% above the national average of $1,776 per year, placing this ZIP in the 91th percentile nationally. Compared to the Texas state average of $2,349, this ZIP runs 13% above, reflecting neighborhood-level differences in catastrophe exposure, property age, and claims history.

The loss ratio for ZIP 77040 is 28.5%, meaning insurers retained a working margin after claims. Claim frequency — the share of policies with at least one claim — is 3.88%, and the average claim severity (amount paid per claim) is $19,396.

Across 5 years (2018–2022), premiums in ZIP 77040 have risen by 7.3%, ranging from $2,449 to $2,644 with a five-year average of $2,520 — an annualized rate of +1.8% 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.