ZIP 78730 Insurance Data

Data Snapshot: ZIP 78730 (Austin, TX)

ZIP 78730 (Austin, TX) shows an average homeowners insurance premium of $4,267 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations across approximately 210 reported policies. That is 140% above the national average of $1,776 per year, placing this ZIP in the 98th percentile nationally. Compared to the Texas state average of $2,349, this ZIP runs 82% above, reflecting neighborhood-level differences in catastrophe exposure, property age, and claims history.

The loss ratio for ZIP 78730 is 59.1%, meaning insurers retained a working margin after claims. Claim frequency — the share of policies with at least one claim — is 6.02%, and the average claim severity (amount paid per claim) is $41,926.

Across 5 years (2018–2022), premiums in ZIP 78730 have risen by 22.2%, ranging from $3,492 to $4,267 with a five-year average of $3,802 — an annualized rate of +5.1% 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.