ZIP 16685 Insurance Data

Data Snapshot: ZIP 16685 (Todd, PA)

ZIP 16685 (Todd, PA) shows an average homeowners insurance premium of $881 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations across approximately 10 reported policies. That is 50% below the national average of $1,776 per year, placing this ZIP in the 2th percentile nationally. Compared to the Pennsylvania state average of $1,131, this ZIP runs 22% below, reflecting neighborhood-level differences in catastrophe exposure, property age, and claims history.

The loss ratio for ZIP 16685 is 4.4%, meaning insurers retained a working margin after claims. Claim frequency — the share of policies with at least one claim — is 0.85%, and the average claim severity (amount paid per claim) is $4,531.

Across 5 years (2018–2022), premiums in ZIP 16685 have risen by 8.7%, ranging from $793 to $881 with a five-year average of $830 — an annualized rate of +2.1% 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.