ZIP 78380 Insurance Data

Data Snapshot: ZIP 78380 (Robstown, TX)

ZIP 78380 (Robstown, TX) shows an average homeowners insurance premium of $2,335 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations across approximately 26 reported policies. That is 32% above the national average of $1,776 per year, placing this ZIP in the 85th percentile nationally. Compared to the Texas state average of $2,349, this ZIP runs 1% below, reflecting neighborhood-level differences in catastrophe exposure, property age, and claims history.

The loss ratio for ZIP 78380 is 14.0%, meaning insurers retained a working margin after claims. Claim frequency — the share of policies with at least one claim — is 1.40%, and the average claim severity (amount paid per claim) is $23,233.

Across 5 years (2018–2022), premiums in ZIP 78380 have fallen by 16.6%, ranging from $2,335 to $2,802 with a five-year average of $2,562 — an annualized rate of -4.5% 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.