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Home insurance & flood costs in ZIP 75248 (Dallas, TX)

Plain facts for homeowners in Dallas: what insurance cost here in recent years, how often claims were paid, and what flood coverage runs.

See the numbers

Historical averages, not a quote. Updated Oct 2026.

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ZIP 75248 at a glance

Four numbers most homeowners ask about first.

$4,133
Avg. home premium

Per policy in 2022 (inflation-adjusted), HO-3/HO-5 policies.

$1,017
Avg. flood policy

Single-family NFIP policies that took effect in 2025.

0.00%
Nonrenewal rate

Share of policies not renewed by insurers in 2022. Typical U.S. ZIP: 0.81%.

6.8%
Claim frequency

Share of policies with a paid claim in 2022. Typical U.S. ZIP: 4.0%.

ZIP 75248 in numbers
$39,381
average paid claim (2022)
+22%
premium change 2018–2022, after inflation
0.00%
cancelled by insurers mid-term (2022)
118
single-family NFIP policies (2025)

What homeowners here pay

Each block pairs a short explanation with the data behind it.

Homeowners insurance

U.S. Treasury FIO, HO-3/HO-5 policies, 2018–2022

The average premium per policy in ZIP 75248 was $4,133 in 2022, 49% above the Dallas County typical ZIP ($2,771) and about 2.7 times the typical U.S. ZIP code ($1,551). After adjusting for inflation, it rose 22% between 2018 and 2022. About 6.8% of policies here had a paid claim in 2022, and insurers chose not to renew 0.00% of policies.

Dallas County overview

Average premium per policy

Inflation-adjusted dollars, Treasury FIO
ZIP 75248DallasU.S. typical ZIP

Flood insurance

FEMA NFIP single-family policies, 2022–2025

The average single-family NFIP flood policy that took effect in ZIP 75248 in 2025 cost $1,017, based on 118 policies, compared with $780 in 2022. About 26% of them are for homes in high-risk A or V zones.

Average flood policy cost

Full cost incl. fees, by year the policy took effect

Policies by flood zone, 2025

118 policies
A zones 26%X/B/C zones 74%V zones 0%

Claims & hazards

Treasury FIO claim frequency; FEMA National Risk Index for Dallas County

The chart shows the share of homeowners policies in ZIP 75248 with at least one paid claim each year. FEMA rates hazards for the whole county, not single ZIP codes. The top hazards for Dallas County are listed below the chart, as national percentiles (100 = highest).

All county hazards

Policies with a paid claim

Share of policies, by year

Top county hazards

  • Hail100 · Very High
  • Heat wave100 · Very High
  • Cold wave100 · Very High
  • Tornado100 · Very High
  • Ice storm100 · Very High

Other ZIP codes in Dallas County

Average premium per policy in 2022 (Treasury FIO). Showing 12 of 62; see the county page for all.

75006 Carrollton · $2,77375019 Coppell · $3,54375038 Irving · $3,91075039 Irving · $3,02975040 Garland · $2,42675041 Garland · $2,44375042 Garland · $2,27675043 Garland · $2,70375044 Garland · $2,87675048 Sachse · $2,91775050 Grand Prairie · $2,51475051 Grand Prairie · $2,239

Practical next steps

Simple things homeowners in ZIP 75248 can do with this information.

Look at your roof. Hail and wind claims often come down to the roof. Impact-resistant (Class 4) shingles can earn discounts in some states, and knowing your roof's age helps when you compare policies.
Have a shelter plan. Know where your safe room or interior shelter is, and keep an up-to-date photo or video inventory of your belongings to make any claim simpler.
Compare at renewal. Premiums vary widely by ZIP code, home and insurer. Use these averages as a reference point, not a price, and compare a few quotes at renewal.
Keep records. A roof certificate, receipts for upgrades and photos of your home's condition can help when you shop for coverage or file a claim.

Historical averages, not a quote. Homeowners figures are inflation-adjusted averages from the U.S. Treasury Federal Insurance Office "Supporting Underlying Metrics" (2018–2022, published January 2025). They cover HO-3/HO-5 policies from participating private insurers and exclude state residual-market plans (such as FAIR plans and Citizens), surplus-lines and flood coverage. Treasury notes that individual ZIP codes can contain data anomalies. Your price depends on your home, coverage and insurer.

Sources: U.S. Treasury FIO; FEMA OpenFEMA NFIP Redacted Policies v3 (data as of Sep 8, 2026); FEMA National Risk Index (December 2025); U.S. Census Bureau ZCTA-to-county relationship file (2020) and county adjacency file; GeoNames place names. How we calculate these numbers.

This product uses the FEMA OpenFEMA API and National Risk Index data, but is not endorsed by FEMA. The Federal Government or FEMA cannot vouch for the data or analyses derived from these data after the data have been retrieved from the Agency's website(s). SafeHomeFacts is independent and not affiliated with the U.S. Treasury, FEMA or any insurer.