ZIP 16228 Insurance Data

Data Snapshot: ZIP 16228 (Ford Cliff, PA)

ZIP 16228 (Ford Cliff, PA) shows an average homeowners insurance premium of $738 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations across approximately 1,884 reported policies. That is 58% below the national average of $1,776 per year, placing this ZIP in the 0th percentile nationally. Compared to the Pennsylvania state average of $1,131, this ZIP runs 35% below, reflecting neighborhood-level differences in catastrophe exposure, property age, and claims history.

Across 5 years (2018–2022), premiums in ZIP 16228 have risen by 7.2%, ranging from $686 to $738 with a five-year average of $708 — an annualized rate of +1.8% 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.