ZIP 79371 Insurance Data

Data Snapshot: ZIP 79371 (Sudan, TX)

ZIP 79371 (Sudan, TX) shows an average homeowners insurance premium of $2,326 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations across approximately 1 reported policies. That is 31% 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 79371 is 68.9%, meaning insurers retained a working margin after claims. Claim frequency — the share of policies with at least one claim — is 8.53%, and the average claim severity (amount paid per claim) is $18,796.

Across 5 years (2018–2022), premiums in ZIP 79371 have risen by 7.2%, ranging from $2,130 to $2,326 with a five-year average of $2,187 — an annualized rate of +1.8% 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.