ZIP 77475 Insurance Data

Data Snapshot: ZIP 77475 (Sheridan, TX)

ZIP 77475 (Sheridan, TX) shows an average homeowners insurance premium of $2,137 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations across approximately 12 reported policies. That is 20% above the national average of $1,776 per year, placing this ZIP in the 80th percentile nationally. Compared to the Texas state average of $2,349, this ZIP runs 9% below, reflecting neighborhood-level differences in catastrophe exposure, property age, and claims history.

Across 5 years (2018–2022), premiums in ZIP 77475 have risen by 5.2%, ranging from $1,995 to $2,137 with a five-year average of $2,057 — an annualized rate of +1.3% 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.