ZIP 21835 Insurance Data

Data Snapshot: ZIP 21835 (Linkwood, MD)

ZIP 21835 (Linkwood, MD) shows an average homeowners insurance premium of $898 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations across approximately 24 reported policies. That is 49% below the national average of $1,776 per year, placing this ZIP in the 2th percentile nationally. Compared to the Maryland state average of $1,627, this ZIP runs 45% below, reflecting neighborhood-level differences in catastrophe exposure, property age, and claims history.

The loss ratio for ZIP 21835 is 1470.8%, meaning insurers paid out more in claims than they collected — a signal that premiums may rise or carriers may exit. Claim frequency — the share of policies with at least one claim — is 73.86%, and the average claim severity (amount paid per claim) is $17,874. Nonrenewal — insurers declining to extend coverage at policy expiration — occurs at 3.41% in this ZIP, a rise of 196.6% over the past five years; rising nonrenewal often signals insurer retreat from high-risk markets.

Across 5 years (2018–2022), premiums in ZIP 21835 have risen by 5.7%, ranging from $828 to $898 with a five-year average of $858 — an annualized rate of +1.4% 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.