ZIP 78666 Insurance Data

Data Snapshot: ZIP 78666 (San Marcos, TX)

ZIP 78666 (San Marcos, TX) shows an average homeowners insurance premium of $1,629 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations across approximately 139 reported policies. That is 8% below the national average of $1,776 per year, placing this ZIP in the 56th percentile nationally. Compared to the Texas state average of $2,349, this ZIP runs 31% below, reflecting neighborhood-level differences in catastrophe exposure, property age, and claims history.

The loss ratio for ZIP 78666 is 52.6%, meaning insurers retained a working margin after claims. Claim frequency — the share of policies with at least one claim — is 5.01%, and the average claim severity (amount paid per claim) is $17,114.

Across 5 years (2018–2022), premiums in ZIP 78666 have risen by 4.8%, ranging from $1,554 to $1,629 with a five-year average of $1,586 — an annualized rate of +1.2% 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.