ZIP 18628 Insurance Data

Data Snapshot: ZIP 18628 (Lopez, PA)

ZIP 18628 (Lopez, PA) shows an average homeowners insurance premium of $999 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations across approximately 3 reported policies. That is 44% below the national average of $1,776 per year, placing this ZIP in the 8th percentile nationally. Compared to the Pennsylvania state average of $1,131, this ZIP runs 12% below, reflecting neighborhood-level differences in catastrophe exposure, property age, and claims history.

Nonrenewal — insurers declining to extend coverage at policy expiration — occurs at 1.19% in this ZIP; rising nonrenewal often signals insurer retreat from high-risk markets.

Across 5 years (2018–2022), premiums in ZIP 18628 have risen by 1.4%, ranging from $940 to $999 with a five-year average of $983 — an annualized rate of +0.3% 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.