75235

High72

Dallas, Texas — Dallas County

Pop. 18,936Median Income $57,744Median Home $244,500

2025 Estimated Premium

$2,681/yr

+16.6% from 2022 actual ($2,299)

Projected using FRED CPI for Household Insurance, adjusted for this ZIP's historical trend. Not a quote.

Avg Premium (2022)

$2,299

+4.4%

2018–2025

Nonrenewal Rate

0.00%

2018–2022

Claim Frequency

6.3%

Avg Claim Amount

$16,297

Score Breakdown

Premium Level (25%)84

Premium Trend (20%)72

Nonrenewal Risk (20%)50

Storm Exposure (15%)99

Affordability (10%)87

Flood Risk (10%)30

Storm History (5-Year Timeline)

201833 events1 fatalities

Property damage$991,000

13 hail12 flood

201959 events1 fatalities

Property damage$1,970,502,000

5 tornado20 hail2 flood

202024 events2 fatalities

Property damage$95,000

1 tornado9 hail4 flood

202146 events1 fatalities

Property damage$572,000

2 tornado29 hail9 flood

202241 events1 fatalities

Property damage$1,351,550,000

12 hail15 flood

202361 events

Property damage$2,435,000

2 tornado51 hail

202469 events

Property damage$5,403,000

28 hail23 flood

202584 events1 fatalities

Property damage$4,176,500

1 tornado16 hail44 flood

Nearby ZIP Codes

75205Highland Park, TX

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Data Sources & Methodology

Core insurance data: US Treasury Federal Insurance Office (FIO), 2018–2022 — the most comprehensive homeowners insurance dataset ever released, covering 25,500+ ZIP codes and 246M+ policies. This data was collected under a Biden-era initiative (Executive Order 14030) and published January 2025. The Trump administration subsequently removed the report from FIO's website. InsureWatch preserves and builds on this public data.

2023-2025 premium estimates are projected using the FRED CPI for Household Insurance (CUSR0000SEHC01), adjusted for each ZIP's historical growth trend relative to the national rate. Projections are not quotes and actual premiums vary by carrier, coverage, claims history, and property. Storm data: NOAA Storm Events Database, current through 2025. Economic data: FRED (Federal Reserve), current through 2026. Demographics: Census ACS 2022. Insurance Stress Scores are a weighted composite of premium levels, trends, nonrenewal rates, storm exposure, and affordability.