ZIP 19931 Insurance Data

Data Snapshot: ZIP 19931 (Bethel, DE)

ZIP 19931 (Bethel, DE) shows an average homeowners insurance premium of $1,136 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations across approximately 89 reported policies. That is 36% below the national average of $1,776 per year, placing this ZIP in the 18th percentile nationally. Compared to the Delaware state average of $1,252, this ZIP runs 9% below, reflecting neighborhood-level differences in catastrophe exposure, property age, and claims history.

The loss ratio for ZIP 19931 is 1.1%, meaning insurers retained a working margin after claims. Claim frequency — the share of policies with at least one claim — is 1.18%, and the average claim severity (amount paid per claim) is $1,025.

Across 5 years (2018–2022), premiums in ZIP 19931 have risen by 4.6%, ranging from $1,067 to $1,136 with a five-year average of $1,102 — an annualized rate of +1.1% 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.