ZIP 79855 Insurance Data

Data Snapshot: ZIP 79855 (Van Horn, TX)

ZIP 79855 (Van Horn, TX) shows an average homeowners insurance premium of $1,580 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations. That is 11% below the national average of $1,776 per year, placing this ZIP in the 52th percentile nationally. Compared to the Texas state average of $2,349, this ZIP runs 33% below, reflecting neighborhood-level differences in catastrophe exposure, property age, and claims history.

The loss ratio for ZIP 79855 is 18.1%, meaning insurers retained a working margin after claims. Claim frequency — the share of policies with at least one claim — is 3.90%, and the average claim severity (amount paid per claim) is $7,361.

Across 5 years (2018–2022), premiums in ZIP 79855 have fallen by 11.0%, ranging from $1,580 to $1,775 with a five-year average of $1,702 — an annualized rate of -2.9% 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.