ZIP 15539 Insurance Data

Data Snapshot: ZIP 15539 (Fishertown, PA)

ZIP 15539 (Fishertown, PA) shows an average homeowners insurance premium of $831 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations across approximately 139 reported policies. That is 53% below the national average of $1,776 per year, placing this ZIP in the 1th percentile nationally. Compared to the Pennsylvania state average of $1,131, this ZIP runs 27% below, reflecting neighborhood-level differences in catastrophe exposure, property age, and claims history.

The loss ratio for ZIP 15539 is 10.3%, meaning insurers retained a working margin after claims. Claim frequency — the share of policies with at least one claim — is 2.30%, and the average claim severity (amount paid per claim) is $3,708.

Across 5 years (2018–2022), premiums in ZIP 15539 have risen by 11.1%, ranging from $748 to $831 with a five-year average of $796 — an annualized rate of +2.7% per year. FIO data aggregates voluntary reporting from the 40 largest homeowners insurers, covering roughly 80% of the U.S. market, so figures represent market averages rather than individual policy quotes; your own premium will vary with dwelling value, deductible, coverage limits, construction type, and insurer-specific underwriting. This page is educational research only and is not insurance advice — homeowners should request quotes from multiple licensed carriers or an independent agent before purchasing or renewing coverage.