InsureWatch

76205

High75

Denton, Texas — Denton County

Pop. 20,734Median Income $60,196Median Home $263,400
0/ 100High Risk

2025 Estimated Premium

$3,610/yr

+19.0% from 2022 actual ($3,034)

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

Avg Premium (2022)

$3,034

+4.7%

2018–2025

Nonrenewal Rate

0.00%

2018–2022

Claim Frequency

5.5%

Avg Claim Amount

$21,031

Score Breakdown

Premium Level (25%)95
Premium Trend (20%)74
Nonrenewal Risk (20%)50
Storm Exposure (15%)91
Affordability (10%)95
Flood Risk (10%)30

Storm History (5-Year Timeline)

18
201840 events
Property damage$492,500
23 hail11 flood
19
201962 events
Property damage$889,500
3 tornado35 hail4 flood
20
202034 events
Property damage$1,320,500
13 hail4 flood
21
202143 events
Property damage$151,536,000
36 hail
22
202241 events1 fatalities
Property damage$543,000
1 tornado30 hail2 flood
23
202377 events
Property damage$46,319,000
59 hail1 flood
24
2024112 events
Property damage$23,345,000
2 tornado85 hail6 flood
25
202582 events
Property damage$1,742,500
2 tornado24 hail9 flood

Nearby ZIP Codes

76201Denton, TX
72High
76209Denton, TX
72High
76207Denton, TX
70High
76210Denton, TX
73High
76208Denton, TX
73High

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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.