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Home insurance & flood costs in ZIP 76240 (Gainesville, TX)

Plain facts for homeowners in Gainesville: 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 76240 at a glance

Four numbers most homeowners ask about first.

$2,771
Avg. home premium

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

$1,268
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%.

9.4%
Claim frequency

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

ZIP 76240 in numbers
$12,729
average paid claim (2022)
+5%
premium change 2018–2022, after inflation
0.00%
cancelled by insurers mid-term (2022)
135
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 76240 was $2,771 in 2022, about the same as the Cooke County typical ZIP ($2,773) and 79% above the typical U.S. ZIP code ($1,551). After adjusting for inflation, it rose 5% between 2018 and 2022. About 9.4% of policies here had a paid claim in 2022, and insurers chose not to renew 0.00% of policies.

Cooke County overview

Average premium per policy

Inflation-adjusted dollars, Treasury FIO
ZIP 76240CookeU.S. typical ZIP

Flood insurance

FEMA NFIP single-family policies, 2022–2025

The average single-family NFIP flood policy that took effect in ZIP 76240 in 2025 cost $1,268, based on 135 policies, compared with $1,146 in 2022. About 71% 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

135 policies
A zones 71%X/B/C zones 29%V zones 0%

Claims & hazards

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

The chart shows the share of homeowners policies in ZIP 76240 with at least one paid claim each year. FEMA rates hazards for the whole county, not single ZIP codes. The top hazards for Cooke 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

  • Drought98 · Relatively High
  • Hail93 · Relatively Moderate
  • Wildfire92 · Relatively Moderate
  • Tornado91 · Relatively High
  • Ice storm87 · Relatively High

Practical next steps

Simple things homeowners in ZIP 76240 can do with this information.

Check your flood zone. Look up your address on FEMA's Flood Map Service Center (msc.fema.gov). Standard home policies don't cover flood damage, and flood insurance usually has a 30-day waiting period, so it's worth sorting out before storm season.
Plan for heat and dry spells. Long dry periods can stress foundations and landscaping. Regular checks of your HVAC system and foundation can catch small problems before they become claims.
Prepare for freezing weather. Burst pipes are a common winter claim. Insulating exposed pipes, keeping heat on while away and knowing where your main water shut-off is all help.
Create defensible space. Clearing dry brush and debris within 30 feet of the house and using ember-resistant vents can lower wildfire exposure. Some insurers and states recognize mitigation work with discounts.

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.