InsureWatch

76905

Elevated56

San Angelo, Texas — Tom Green County

Pop. 13,424Median Income $77,614Median Home $153,900
0/ 100Elevated Risk

2025 Estimated Premium

$2,208/yr

+9.5% from 2022 actual ($2,016)

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

Avg Premium (2022)

$2,016

-0.6%

2018–2025

Nonrenewal Rate

0.00%

2018–2022

Claim Frequency

4.5%

Avg Claim Amount

$11,026

Score Breakdown

Premium Level (25%)76
Premium Trend (20%)47
Nonrenewal Risk (20%)50
Storm Exposure (15%)57
Affordability (10%)63
Flood Risk (10%)30

Storm History (5-Year Timeline)

18
201833 events
Property damage$200,000
1 tornado5 hail10 flood
19
201926 events
Property damage$7,505,000
1 tornado14 hail4 flood
20
202071 events
Property damage$70,000
38 hail1 flood
21
202123 events
Property damage$0
5 hail13 flood
22
202225 events
Property damage$0
18 hail1 flood
23
202362 events
Property damage$3,000
14 hail9 flood
24
202475 events
Property damage$0
40 hail17 flood
25
202570 events1 fatalities
Property damage$0
3 tornado30 hail21 flood

Nearby ZIP Codes

76903San Angelo, TX
56Elevated
76957San Angelo, TX
72High
76861Miles, TX
66High
76904San Angelo, TX
60Elevated

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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.