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Home insurance & flood costs in ZIP 79007 (Borger, TX)

Plain facts for homeowners in Borger: 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 79007 at a glance

Four numbers most homeowners ask about first.

$2,778
Avg. home premium

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

Too few
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%.

15.9%
Claim frequency

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

ZIP 79007 in numbers
$18,969
average paid claim (2022)
+2%
premium change 2018–2022, after inflation
0.00%
cancelled by insurers mid-term (2022)
4
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 79007 was $2,778 in 2022, 4% above the Hutchinson County typical ZIP ($2,682) and 79% above the typical U.S. ZIP code ($1,551). After adjusting for inflation, it rose 2% between 2018 and 2022. About 15.9% of policies here had a paid claim in 2022, and insurers chose not to renew 0.00% of policies.

Hutchinson County overview

Average premium per policy

Inflation-adjusted dollars, Treasury FIO
ZIP 79007HutchinsonU.S. typical ZIP

Flood insurance

FEMA NFIP single-family policies, 2022–2025

Only 4 single-family NFIP policies took effect in ZIP 79007 in 2025, too few for a meaningful average.

Flood insurance data

Too few NFIP policies here to show reliable averages. FEMA's Flood Map Service Center shows the flood zone for any address.

Claims & hazards

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

The chart shows the share of homeowners policies in ZIP 79007 with at least one paid claim each year. FEMA rates hazards for the whole county, not single ZIP codes. The top hazards for Hutchinson 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

  • Drought99 · Relatively High
  • Wildfire95 · Relatively Moderate
  • Hail90 · Relatively Moderate
  • Winter weather90 · Relatively High
  • Cold wave88 · Relatively Moderate

Practical next steps

Simple things homeowners in ZIP 79007 can do with this information.

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.
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.
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.
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.

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.