ZIP 78231 Insurance Data

Data Snapshot: ZIP 78231 (San Antonio, TX)

ZIP 78231 (San Antonio, TX) shows an average homeowners insurance premium of $2,676 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations across approximately 790 reported policies. That is 51% above the national average of $1,776 per year, placing this ZIP in the 92th percentile nationally. Compared to the Texas state average of $2,349, this ZIP runs 14% above, reflecting neighborhood-level differences in catastrophe exposure, property age, and claims history.

The loss ratio for ZIP 78231 is 34.2%, meaning insurers retained a working margin after claims. Claim frequency — the share of policies with at least one claim — is 4.75%, and the average claim severity (amount paid per claim) is $19,297.

Across 5 years (2018–2022), premiums in ZIP 78231 have risen by 12.1%, ranging from $2,387 to $2,676 with a five-year average of $2,521 — an annualized rate of +2.9% 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.