ZIP 77486 Insurance Data

Data Snapshot: ZIP 77486 (West Columbia, TX)

ZIP 77486 (West Columbia, TX) shows an average homeowners insurance premium of $1,863 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations across approximately 55 reported policies. That is 5% 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 77486 is 21.3%, meaning insurers retained a working margin after claims. Claim frequency — the share of policies with at least one claim — is 1.67%, and the average claim severity (amount paid per claim) is $23,792.

Across 5 years (2018–2022), premiums in ZIP 77486 have fallen by 1.0%, ranging from $1,863 to $1,933 with a five-year average of $1,895 — an annualized rate of -0.3% 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.