Loss Ratio Percentile Lookup
Enter a homeowners insurance loss ratio (the share of premium dollars an insurer pays out as claims). The tool maps it onto the U.S. Federal Insurance Office (FIO) 2018-2022 distribution across 25,593 ZIP codes and tells you the percentile + AM Best style interpretation band.
Reference distribution (FIO 2018-2022)
Loss ratio by national percentile
| Percentile | Loss ratio at this percentile | Band |
|---|---|---|
| P5 | 15.0% | insurer-favorable |
| P10 | 20.0% | insurer-favorable |
| P25 | 30.0% | insurer-favorable |
| P50 | 42.0% | insurer-favorable |
| P60 | 48.0% | insurer-favorable |
| P70 | 55.0% | insurer-favorable |
| P75 | 59.0% | insurer-favorable |
| P80 | 65.0% | healthy |
| P85 | 72.0% | healthy |
| P90 | 83.0% | consumer-favorable |
| P95 | 105.0% | underwriting-loss |
| P99 | 155.0% | underwriting-loss |
Source: U.S. Department of the Treasury Federal Insurance Office, Analyses of U.S. Homeowners Insurance Markets 2018-2022 (25,593 ZIP-level observations). See methodology for caveats.
Every figure on PlainInsure is rendered directly from U.S. Treasury Federal Insurance Office data, no number is typed in by an editor. This page draws directly on U.S. Treasury FIO data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.