ZIP 18930 Insurance Data

Data Snapshot: ZIP 18930 (Kintnersville, PA)

ZIP 18930 (Kintnersville, PA) shows an average homeowners insurance premium of $1,687 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations across approximately 47 reported policies. That is 5% below the national average of $1,776 per year, placing this ZIP in the 59th percentile nationally. Compared to the Pennsylvania state average of $1,131, this ZIP runs 49% above, reflecting neighborhood-level differences in catastrophe exposure, property age, and claims history.

The loss ratio for ZIP 18930 is 54.1%, meaning insurers retained a working margin after claims. Claim frequency — the share of policies with at least one claim — is 4.44%, and the average claim severity (amount paid per claim) is $20,537. Nonrenewal — insurers declining to extend coverage at policy expiration — occurs at 0.56% in this ZIP, a rise of 26.7% over the past five years; rising nonrenewal often signals insurer retreat from high-risk markets.

Across 5 years (2018–2022), premiums in ZIP 18930 have risen by 6.4%, ranging from $1,586 to $1,705 with a five-year average of $1,640 — an annualized rate of +1.6% 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.