ZIP 18920 Insurance Data

Data Snapshot: ZIP 18920 (Erwinna, PA)

ZIP 18920 (Erwinna, PA) shows an average homeowners insurance premium of $2,889 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations across approximately 51 reported policies. That is 63% above the national average of $1,776 per year, placing this ZIP in the 94th percentile nationally. Compared to the Pennsylvania state average of $1,131, this ZIP runs 156% above, reflecting neighborhood-level differences in catastrophe exposure, property age, and claims history.

The loss ratio for ZIP 18920 is 32.3%, meaning insurers retained a working margin after claims. Claim frequency — the share of policies with at least one claim — is 3.40%, and the average claim severity (amount paid per claim) is $27,494.

Across 5 years (2018–2022), premiums in ZIP 18920 have risen by 2.9%, ranging from $2,807 to $2,889 with a five-year average of $2,843 — 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.