ZIP 22578 Insurance Data

Data Snapshot: ZIP 22578 (White Stone, VA)

ZIP 22578 (White Stone, VA) shows an average homeowners insurance premium of $2,688 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations across approximately 52 reported policies. That is 51% above the national average of $1,776 per year, placing this ZIP in the 92th percentile nationally. Compared to the Virginia state average of $1,369, this ZIP runs 96% above, reflecting neighborhood-level differences in catastrophe exposure, property age, and claims history.

The loss ratio for ZIP 22578 is 41.0%, meaning insurers retained a working margin after claims. Claim frequency — the share of policies with at least one claim — is 2.54%, and the average claim severity (amount paid per claim) is $43,343. Nonrenewal — insurers declining to extend coverage at policy expiration — occurs at 0.58% in this ZIP, a rise of 48.2% over the past five years; rising nonrenewal often signals insurer retreat from high-risk markets.

Across 5 years (2018–2022), premiums in ZIP 22578 have risen by 15.0%, ranging from $2,337 to $2,688 with a five-year average of $2,534 — an annualized rate of +3.6% 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.