ZIP 77331 Insurance Data

Data Snapshot: ZIP 77331 (Coldspring, TX)

ZIP 77331 (Coldspring, TX) shows an average homeowners insurance premium of $2,484 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations across approximately 17 reported policies. That is 40% above the national average of $1,776 per year, placing this ZIP in the 89th percentile nationally. Compared to the Texas state average of $2,349, this ZIP runs 6% above, reflecting neighborhood-level differences in catastrophe exposure, property age, and claims history.

The loss ratio for ZIP 77331 is 13.1%, meaning insurers retained a working margin after claims. Claim frequency — the share of policies with at least one claim — is 2.28%, and the average claim severity (amount paid per claim) is $14,200.

Across 5 years (2018–2022), premiums in ZIP 77331 have fallen by 0.7%, ranging from $2,484 to $2,532 with a five-year average of $2,503 — an annualized rate of -0.2% 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.