ZIP 20117 Insurance Data

Data Snapshot: ZIP 20117 (Middleburg, VA)

ZIP 20117 (Middleburg, VA) shows an average homeowners insurance premium of $3,144 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations across approximately 23 reported policies. That is 77% above the national average of $1,776 per year, placing this ZIP in the 96th percentile nationally. Compared to the Virginia state average of $1,369, this ZIP runs 130% above, reflecting neighborhood-level differences in catastrophe exposure, property age, and claims history.

The loss ratio for ZIP 20117 is 70.5%, meaning insurers retained a working margin after claims. Claim frequency — the share of policies with at least one claim — is 10.73%, and the average claim severity (amount paid per claim) is $20,646. Nonrenewal — insurers declining to extend coverage at policy expiration — occurs at 1.19% in this ZIP, a rise of 34.0% over the past five years; rising nonrenewal often signals insurer retreat from high-risk markets.

Across 5 years (2018–2022), premiums in ZIP 20117 have risen by 9.8%, ranging from $2,864 to $3,144 with a five-year average of $2,995 — an annualized rate of +2.4% 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.