ZIP 78370 Insurance Data

Data Snapshot: ZIP 78370 (Odem, TX)

ZIP 78370 (Odem, TX) shows an average homeowners insurance premium of $2,232 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations across approximately 20 reported policies. That is 26% above the national average of $1,776 per year, placing this ZIP in the 83th percentile nationally. Compared to the Texas state average of $2,349, this ZIP runs 5% below, reflecting neighborhood-level differences in catastrophe exposure, property age, and claims history.

The loss ratio for ZIP 78370 is 98.2%, meaning insurers are operating on thin margins here. Claim frequency — the share of policies with at least one claim — is 4.82%, and the average claim severity (amount paid per claim) is $45,443.

Across 5 years (2018–2022), premiums in ZIP 78370 have fallen by 5.8%, ranging from $2,232 to $2,368 with a five-year average of $2,277 — an annualized rate of -1.5% 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.