ZIP 22830 Insurance Data

Data Snapshot: ZIP 22830 (Fulks Run, VA)

ZIP 22830 (Fulks Run, VA) shows an average homeowners insurance premium of $1,018 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations across approximately 6 reported policies. That is 43% below the national average of $1,776 per year, placing this ZIP in the 9th percentile nationally. Compared to the Virginia state average of $1,369, this ZIP runs 26% below, reflecting neighborhood-level differences in catastrophe exposure, property age, and claims history.

The loss ratio for ZIP 22830 is 37.2%, meaning insurers retained a working margin after claims. Claim frequency — the share of policies with at least one claim — is 1.37%, and the average claim severity (amount paid per claim) is $27,671.

Across 5 years (2018–2022), premiums in ZIP 22830 have fallen by 0.2%, ranging from $987 to $1,063 with a five-year average of $1,024 — an annualized rate of -0.1% 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.