ZIP 77351 Insurance Data

Data Snapshot: ZIP 77351 (Livingston, TX)

ZIP 77351 (Livingston, TX) shows an average homeowners insurance premium of $2,206 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations across approximately 18 reported policies. That is 24% above the national average of $1,776 per year, placing this ZIP in the 82th percentile nationally. Compared to the Texas state average of $2,349, this ZIP runs 6% below, reflecting neighborhood-level differences in catastrophe exposure, property age, and claims history.

The loss ratio for ZIP 77351 is 22.9%, meaning insurers retained a working margin after claims. Claim frequency — the share of policies with at least one claim — is 2.61%, and the average claim severity (amount paid per claim) is $19,341.

Across 5 years (2018–2022), premiums in ZIP 77351 have fallen by 1.8%, ranging from $2,206 to $2,246 with a five-year average of $2,230 — an annualized rate of -0.5% 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.