ZIP 16845 Insurance Data

Data Snapshot: ZIP 16845 (Karthaus, PA)

ZIP 16845 (Karthaus, PA) shows an average homeowners insurance premium of $852 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations across approximately 3 reported policies. That is 52% 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 25% below, reflecting neighborhood-level differences in catastrophe exposure, property age, and claims history.

The loss ratio for ZIP 16845 is 96.0%, meaning insurers are operating on thin margins here. Claim frequency — the share of policies with at least one claim — is 2.67%, and the average claim severity (amount paid per claim) is $30,585.

Across 5 years (2018–2022), premiums in ZIP 16845 have risen by 2.9%, ranging from $828 to $866 with a five-year average of $848 — an annualized rate of +0.7% 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.