Look up a ZIP
United States › Texas › Collin County › ZIP 75078

Home insurance & flood costs in ZIP 75078 (Prosper, TX)

Plain facts for homeowners in Prosper: 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.

Illustration of a house on a hill in front of a large shield

ZIP 75078 at a glance

Four numbers most homeowners ask about first.

$3,293
Avg. home premium

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

$748
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%.

4.0%
Claim frequency

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

ZIP 75078 in numbers
$35,613
average paid claim (2022)
+23%
premium change 2018–2022, after inflation
0.00%
cancelled by insurers mid-term (2022)
74
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 75078 was $3,293 in 2022, 8% above the Collin County typical ZIP ($3,041) and about 2.1 times the typical U.S. ZIP code ($1,551). After adjusting for inflation, it rose 23% between 2018 and 2022. About 4.0% of policies here had a paid claim in 2022, and insurers chose not to renew 0.00% of policies.

Collin County overview

Average premium per policy

Inflation-adjusted dollars, Treasury FIO
ZIP 75078CollinU.S. typical ZIP

Flood insurance

FEMA NFIP single-family policies, 2022–2025

The average single-family NFIP flood policy that took effect in ZIP 75078 in 2025 cost $748, based on 74 policies, compared with $637 in 2022. About 7% 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

74 policies
A zones 7%X/B/C zones 93%V zones 0%

Claims & hazards

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

The chart shows the share of homeowners policies in ZIP 75078 with at least one paid claim each year. FEMA rates hazards for the whole county, not single ZIP codes. The top hazards for Collin 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

  • Tornado100 · Very High
  • Hail100 · Very High
  • Heat wave98 · Relatively High
  • Inland flooding97 · Relatively High
  • Cold wave96 · Relatively High

Other ZIP codes in Collin County

Average premium per policy in 2022 (Treasury FIO). Showing 12 of 26; see the county page for all.

75002 Allen · $3,30475009 Celina · $2,64075013 Allen · $3,43675023 Plano · $3,04175024 Plano · $3,83675025 Plano · $3,37275034 Frisco · $4,11675035 Frisco · $2,95675069 Mckinney · $3,22475070 Mckinney · $3,00675071 Mckinney · $2,71475072 Mckinney · $3,266

Practical next steps

Simple things homeowners in ZIP 75078 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.
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.
Review your deductibles. Many policies have separate wind, hail or hurricane deductibles set as a percentage of your dwelling coverage. Knowing yours in dollars helps you budget.

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.