ZIP 17751 Insurance Data

Data Snapshot: ZIP 17751 (Mill Hall, PA)

ZIP 17751 (Mill Hall, PA) shows an average homeowners insurance premium of $826 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations across approximately 21 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 17751 is 92.8%, meaning insurers are operating on thin margins here. Claim frequency — the share of policies with at least one claim — is 2.39%, and the average claim severity (amount paid per claim) is $32,064. Nonrenewal — insurers declining to extend coverage at policy expiration — occurs at 0.44% in this ZIP, a drop of 43.6% over the past five years; rising nonrenewal often signals insurer retreat from high-risk markets.

Across 5 years (2018–2022), premiums in ZIP 17751 have risen by 0.8%, ranging from $819 to $829 with a five-year average of $824 — an annualized rate of +0.2% 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.