ZIP 21153 Insurance Data

Data Snapshot: ZIP 21153 (Stevenson, MD)

ZIP 21153 (Stevenson, MD) shows an average homeowners insurance premium of $4,665 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations across approximately 63 reported policies. That is 163% above the national average of $1,776 per year, placing this ZIP in the 98th percentile nationally. Compared to the Maryland state average of $1,627, this ZIP runs 187% above, reflecting neighborhood-level differences in catastrophe exposure, property age, and claims history.

The loss ratio for ZIP 21153 is 46.1%, meaning insurers retained a working margin after claims. Claim frequency — the share of policies with at least one claim — is 6.40%, and the average claim severity (amount paid per claim) is $33,637.

Across 5 years (2018–2022), premiums in ZIP 21153 have risen by 14.7%, ranging from $4,067 to $4,732 with a five-year average of $4,445 — an annualized rate of +3.5% 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.