Homeowners Insurance by ZIP Code

Every U.S. ZIP code in the Treasury Federal Insurance Office homeowners insurance markets dataset: average premium, loss ratio, claim frequency, claim severity, and nonrenewal rate. Joined with the FEMA National Risk Index for county-level natural-hazard context.

Coverage status: Treasury FIO 2018-2022 release covers every public ZIP submitted to the FIO. Some ZIPs lack 5-year history due to insurer reporting gaps.

Browse by state

Click a state to see all ZIP codes with insurance data in that jurisdiction.

AL Alabama AK Alaska AZ Arizona AR Arkansas CA California CO Colorado CT Connecticut DE Delaware DC District of Columbia FL Florida GA Georgia HI Hawaii ID Idaho IL Illinois IN Indiana IA Iowa KS Kansas KY Kentucky LA Louisiana ME Maine MD Maryland MA Massachusetts MI Michigan MN Minnesota MS Mississippi MO Missouri MT Montana NE Nebraska NV Nevada NH New Hampshire NJ New Jersey NM New Mexico NY New York NC North Carolina ND North Dakota OH Ohio OK Oklahoma OR Oregon PA Pennsylvania RI Rhode Island SC South Carolina SD South Dakota TN Tennessee TX Texas UT Utah VT Vermont VA Virginia WA Washington WV West Virginia WI Wisconsin WY Wyoming

What each ZIP-level metric measures

  • Average premium — mean homeowners insurance premium for policies written in the ZIP, FIO reporting year.
  • Loss ratio — ratio of claims paid to premiums earned. A ratio of 1.0 indicates insurer break-even on losses; substantially higher ratios indicate carrier unprofitability and often correlate with subsequent nonrenewal action.
  • Claim frequency — claims filed per policy. Annual rate; higher numbers indicate more frequent claim events (storms, fires, theft, water damage).
  • Claim severity — average dollar size of paid claims in the ZIP. Often elevated in catastrophe-exposed coastal and wildland-urban-interface areas.
  • Nonrenewal rate — share of policies the insurer declined to renew at expiration. Distinct from cancellation, which terminates a policy mid-term.
  • Policy decile — ranking by total policy count in the ZIP, broken into 10 deciles for relative-size comparison.

Data sources and refresh cadence

PlainWater rankings are computed from the Treasury Federal Insurance Office (FIO) "Analyses of U.S. Homeowners Insurance Markets, 2018-2022" public release, joined with FEMA National Risk Index county-level hazard scores. The FIO report covers the calendar years 2018 through 2022. New FIO releases typically arrive 18-24 months after the close of the reporting year. We refresh PlainInsure data on every FIO release.

Sources