ZIP 18370 Insurance Data

Data Snapshot: ZIP 18370 (Swiftwater, PA)

ZIP 18370 (Swiftwater, PA) shows an average homeowners insurance premium of $1,327 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations across approximately 81 reported policies. That is 25% below the national average of $1,776 per year, placing this ZIP in the 33th percentile nationally. Compared to the Pennsylvania state average of $1,131, this ZIP runs 17% above, reflecting neighborhood-level differences in catastrophe exposure, property age, and claims history.

The loss ratio for ZIP 18370 is 124.1%, meaning insurers paid out more in claims than they collected — a signal that premiums may rise or carriers may exit. Claim frequency — the share of policies with at least one claim — is 4.56%, and the average claim severity (amount paid per claim) is $36,056.

Across 5 years (2018–2022), premiums in ZIP 18370 have fallen by 0.6%, ranging from $1,305 to $1,342 with a five-year average of $1,329 — 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.