ZIP 18231 Insurance Data

Data Snapshot: ZIP 18231 (Kelayres, PA)

ZIP 18231 (Kelayres, PA) shows an average homeowners insurance premium of $987 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations across approximately 208 reported policies. That is 44% below the national average of $1,776 per year, placing this ZIP in the 7th percentile nationally. Compared to the Pennsylvania state average of $1,131, this ZIP runs 13% below, reflecting neighborhood-level differences in catastrophe exposure, property age, and claims history.

The loss ratio for ZIP 18231 is 10.9%, meaning insurers retained a working margin after claims. Claim frequency — the share of policies with at least one claim — is 3.77%, and the average claim severity (amount paid per claim) is $2,841.

Across 5 years (2018–2022), premiums in ZIP 18231 have risen by 9.0%, ranging from $905 to $987 with a five-year average of $947 — an annualized rate of +2.2% 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.